According to the latest survey by the National Association of Realtors, 43 percent of first-time buyers used a no-money-down loan to buy their home. In other words, they financed 100% of the cost of their home.

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Most independent financial consultants advise against this kind of purchase, recommending a more traditional downpayment of between 10 and 20%. But obviously with 43% of new home buyers opting for this approach, most are not listening.

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It was back in 2000-01 that the dot-com bubble burst. Since that time the housing market and commercial real estate market has taken off, and has been sailing along for the last four years.

The last time the Dow was at 11,000. Then it tanked and ended up at 7286.27 on Oct. 9, 2002. During the period since, prices have doubled or even tripled in some areas, such as New York, San Francisco and southern California.

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Get Real Estate Leads - Lead Producer Websites from Linknet

If you are a Real Estate Agent, or provide a Real Estate service you probably pay dearly for fresh leads. Now Real-Estate-Webs.com offers an affordable lead generating system designed especially for Real Estate Agents just like you.

Lead Producer is a customized website just for you. This site is affiliated with Real-Estate-Webs.com and does not take the place of your current site. You can keep your current site just as it is, or add components of Lead Producer to it as well.

Features of Lead Producer Websites:

Lead Producer websites are designed to give you leads. This is a two step process. First, the package contains traffic-building techniques aimed at generating targeted traffic -- the kind of prospects looking for real estate services in your area. Second, they contain unique reports, and response generating devices to encourage web visitors to respond.

- Hundreds of inbound links from real estate and business sites to enhance your search engine ranking. New links added on a regular basis.

- Free reports, free home evaluation, MLS integration, Google Adwords integration and much more. All reports and features are designed to get responses from site visitors. See a Demo.

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- Integrated Monthly Newsletter - we provide fresh content every month.

- All pages are optimized to score well with the major Search Engines

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Real Estate Agents - Getting Sales from the Internet

Some estimates say that more than 60% of people looking to buy or sell real estate go to the internet first when they begin their search for real estate information. And as agents and brokers become more net-savvy, and more and more people get online, that number will only increase.

That means that the hottest sources of real estate prospects, leads, listings and sales is online. Which obviously means that if you are a Real Estate Agent, or if you provide a real estate service, you need an online presence.
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Mindfulness and Retirement:Considering Brazil - by Maya Talisman Frost -
I have a 17-year-old daughter who is finishing up a year in Vitoria, Brazil. She's been having the time of her life in a gorgeous coastal city with the beaches of her dreams and the cute guys to match. What's not to like?

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Tara told us that we could buy a beautiful home ("All marble floors!") on a spectacular beach ("White sand!") in a number of lovely cities ("Amazing architecture!") with friendly neighbors ("Dancing all night with people who don't know you but love you anyway!")

In fact, she helpfully suggested that we could snag one of these properties for a mere $100,000...less than half of the median price for a typical house in our area.

Read the rest of Mindfulness and Retirement: Considering Brazil

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Interest Rate Hikes Send Mixed Signals to Real Estate Investors

December 20, 2005 - Successive interest rate increases by the Fed have left everyone wondering what is going to happen next with Real Estate. Will the boom continue or is this the beginning of a gradual slow down?

As Jim Jubak, writing in Jubak's Journal, points out, the effect of steady increases will have a much broader impact than just on those who have adjustable-rate mortgages or are locked in because of bad credit ratings. He reports that many large mortgage companies are now selling off riskier holdings to third and fourth parties -- parties prepared to put their faith in the ever upward march of prices.

But as Jubak says, "It's never a good sign when the folks that know an asset best are selling."

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Here Comes The Sun: Solar Energy is Becoming More Attractive for Mainstream Consumers

The price of a barrel of oil has never been higher ($62.00+ in summer 2005 even before the chaos caused by Katrina). Some say this is a temporary spike, but more and more analysts are agreeing that this kind of pricing is here to stay. World consumption is at an all time high and given the new thirst for oil in China and India it is unlikely to diminish. According to International Energy Outlook, global demand is expected to continue to increase by as much as 59% in the next fifteen years.

Already, consumer energy bills have been increasing on average 6.5% per year for the last thirty years in the United States. Given the dramatic rise in the cost of producing energy using traditional non-renewable resources, this rate is bound to be overtaken by unheard of price increases in the very near future. And for consumers who are becoming more and more environmentally conscious, the thought of the millions and millions of tons of CO2 and other bi products being released into the atmosphere annually through the use of fossil fuels in creating energy is very alarming.
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== Commercial Loans and Mortgage Funds ==

The new index tracks the value of U.S. commercial real estate and was developed to help real estate investors, especially pension funds, compare returns to those of other investments, such as stocks -- including publicly traded real estate investment trusts (REITs) -- and bonds.
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== Quality real estate investing course ==

It use to be when you made the decision to sell your home, you essentially had two methods available to you. You could list your home with a traditional real estate company and pay 6-7% commission or you could try selling on your own "for sale buy owner".

Read the rest of Flat Fee MLS Listings - Is This The Future Of Real Estate?

Commercial Real Estate Prices in Japan Show Increase

Tokyo's commercial land prices are still down 80 percent from the peaks of 1990, but are starting to make a come back. With interest rates at record lows and Japan's economy showing growth for four straight years, commercial property prices have actually increased this year for the first time in 15 years.

As a sign of their confidence in the Japanese economy, American International Group Inc., the world's largest insurer, has begun negotiations for the purchase of a $3.4 billion office tower in downtown Tokyo.

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== Carpet Cleaning Dallas Texas ==

Did the season pass you by? Never fear. It doesn’t have to be spring for homeowners to get the itch to clean house. No matter what season it is, homeowners can enjoy that same feeling by shaking the dirt down from the ceiling and sweeping it out the door.

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