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  <title>ActiveRain Blogs</title>
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  <id>http://activerain.com/blogs</id>
  <updated>2008-10-07T06:06:39Z</updated>
  <author>
    <name>ActiveRain users</name>
  </author>
  <entry>
    <title>Develop an attitude of gratitude!</title>
    <link href="http://activerain.com/blogsview/727205/Develop-an-attitude-of" rel="alternate"/>
    <id>http://activerain.com/blogsview/727205/Develop-an-attitude-of</id>
    <updated>2008-10-07T06:06:39Z</updated>
    <author>
      <name>Norma J. Elkins (Triple "E" Realty)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;img src="http://activerain.com/image_store/uploads/1/4/9/2/0/ar122337746202941.gif" height="40" alt="" width="145" /&gt;&lt;/p&gt;
&lt;p&gt;I have been reading so many great posts this morning here in the Rain and what a great way to start the day!&amp;nbsp; Of course, I know that our thoughts determine our attitude and so in order to stay positive and think the right thoughts we certainly have to feed our minds the right foods!&amp;nbsp; Some of us need an extra serving of positive topped with thankfulness!&amp;nbsp; I have so much to be thankful for and everyday I want to be grateful for the life that I live and want to share all of the good things that I have received with others less fortunate --- Share only your good thoughts with others and you will attract more of the same!&amp;nbsp; Have a great day!&lt;/p&gt;
&lt;p&gt;&lt;img src="http://activerain.com/image_store/uploads/1/1/1/0/1/ar122337748910111.gif" height="139" alt="" width="197" /&gt;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Another sign of the times - one I wasn't happy to see</title>
    <link href="http://activerain.com/blogsview/727196/Another-sign-of-the" rel="alternate"/>
    <id>http://activerain.com/blogsview/727196/Another-sign-of-the</id>
    <updated>2008-10-07T06:02:26Z</updated>
    <author>
      <name>Kris Wales-Macomb County MI Real estate (RE/MAX Advantage 1, Inc.)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;img title="Sign of the times in Chesterfield Township MI - foreclosures and short sale homes" src="http://activerain.com/image_store/uploads/2/5/9/9/6/ar122337640069952.jpg" height="401" alt="Sign of the times in Chesterfield Township MI - foreclosure and short sale homes" width="481" style="float: left; margin-left: 5px; margin-right: 5px;" /&gt;&lt;strong&gt;I spotted this sign in a residential area of Chesterfield Township MI the other day and had to take a picture of it.&amp;nbsp;&amp;nbsp; &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;After going to the website that is listed on the sign (name and phone number removed by me) I discovered that it is for a company that is stating they will help people &lt;em&gt;short-sell&lt;/em&gt; their home and owe &lt;span style="text-decoration: underline;"&gt;nothing&lt;/span&gt; on the deficiency balance.&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;I had mixed feelings when first viewing this sign and hope to educate those in Macomb County as to what they can do to help&lt;span style="text-decoration: underline;"&gt; save their homes &lt;/span&gt;and be a &lt;em&gt;good neighbor.&lt;br /&gt;&lt;/em&gt;&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;*If you are near foreclosure don't bury your head in the sand until it is too late for help.&amp;nbsp;&lt;strong&gt; Be proactive.&amp;nbsp;&lt;/strong&gt; Make a phone call (heck, several phone calls) to your mortgage lender and ask for the&lt;em&gt; workout&lt;/em&gt; department.&amp;nbsp;&amp;nbsp; The lender would much rather hear from you regarding your hardship in paying your mortgage then to have the home back.&amp;nbsp; &lt;br /&gt;&lt;br /&gt;*If you have lost your job, as many in Michigan have, and cannot pay your mortgage you still can talk to your mortgage lender and ask that your current payments be put to the end of your mortgage, and be given time to work out a solution to your unemployment and real hardship.&lt;br /&gt;&lt;br /&gt;* Letting your home go into foreclosure, or selling it as a "short sale" &lt;em&gt;devastates&lt;/em&gt; neighborhoods.&amp;nbsp; If you&lt;strong&gt; do not have to sell &lt;/strong&gt;(no job loss, no job transfer, no hardship) then please don't.&amp;nbsp;&lt;em&gt; Wait.&amp;nbsp; &lt;/em&gt;No where in the mortgage note that you signed did it state "I promise to pay as long as the value of my home increases."&amp;nbsp; Your short sale, and your neighbors around the block, and the home next to yours that has sold for less than what is owed is hurting your entire neighborhood.&amp;nbsp; &lt;em&gt;Those that have real hardship will be hurt even further. &lt;/em&gt;&lt;br /&gt;&lt;br /&gt;*If you absolutely positively have to sell now (because of a real hardship) then make sure that you get a letter signed by your mortgage lender that states you will not be responsible for the deficiency balance.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Please, don't just walk away.&amp;nbsp; It isn't as simple as that when you promised to pay.&amp;nbsp; Do your homework, ask for help.&amp;nbsp; Help&lt;em&gt; is &lt;/em&gt;out there for you and your family. &lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;copy; 2008 Kris Wales A &lt;a href="http://macombhomes.com" title="Kris Wales a Macomb County MI real estate agent" target="_blank"&gt;Macomb County MI real estate&lt;/a&gt; agent&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Washington DC among the easiest cities to sell a house according to Forbes.com</title>
    <link href="http://activerain.com/blogsview/727204/Washington-DC-among-the" rel="alternate"/>
    <id>http://activerain.com/blogsview/727204/Washington-DC-among-the</id>
    <updated>2008-10-07T06:00:30Z</updated>
    <author>
      <name>Lanre Folayan "Buy Washington DC Real Estate" (Exit Premier Realty")</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;em&gt;&lt;strong&gt;Francesca Levy&lt;/strong&gt; just wrote&amp;nbsp;an article on&amp;nbsp;forbes.com on the hardest and easiest places to sell a house in United States. &lt;strong&gt;Washington DC&lt;/strong&gt; surprisingly made the list&amp;nbsp;as one of easiest places to sell a home. Did your city make the list? Click on the link to read the full story &lt;strong&gt;&lt;a href="http://www.forbes.com/lifestyle/2008/10/01/home-sell-buy-forbeslife-cx_fl_1002homes.html"&gt;Hardest And Easiest Places To Sell A Home - Forbes.com&lt;/a&gt;.&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;&lt;em&gt;To receive your free list of &lt;strong&gt;"houses for sale in Washington DC",&lt;/strong&gt;please visit my website &lt;/em&gt;&lt;a href="http://www.buyandsellnewhomes.com/"&gt;&lt;strong&gt;&lt;em&gt;Houses for sale in Washington,DC&lt;/em&gt;&lt;/strong&gt;&lt;/a&gt;&lt;strong&gt;&lt;em&gt;. I can be reached at (202) 378-0283 (Direct) and (301) 560-6700 x1154 (Office). I can also be reached online at &lt;/em&gt;&lt;/strong&gt;&lt;a href="http://activerain.com/ernal00"&gt;&lt;strong&gt;&lt;em&gt;Lanre Folayan "Buy&amp;nbsp;Washington DC Real Estate"&amp;nbsp;(EXIT PREMIER REALTY ...&lt;/em&gt;&lt;/strong&gt;&lt;/a&gt;&lt;strong&gt;&lt;em&gt; and &lt;/em&gt;&lt;/strong&gt;&lt;a href="http://www.freelistofhomesforsale.com/"&gt;&lt;strong&gt;&lt;em&gt;Washington DC,Maryland and Virginia Houses for Sale&lt;/em&gt;&lt;/strong&gt;&lt;/a&gt;&lt;em&gt;&lt;strong&gt;.&lt;/strong&gt; Thank you very much. Looking forward to working with you and helping you make your home purchase or sale a stress free and very happy one. Have a great day. &lt;strong&gt;Lanre Folayan-Real Estate Professional with Exit Premier Realty. "Buy a home in Washington DC"&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;/strong&gt;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>The Real Estate Market with a New President</title>
    <link href="http://activerain.com/blogsview/727203/The-Real-Estate-Market" rel="alternate"/>
    <id>http://activerain.com/blogsview/727203/The-Real-Estate-Market</id>
    <updated>2008-10-07T05:58:16Z</updated>
    <author>
      <name>Sydney Griecci (Smiling Dog Enterprises)</name>
    </author>
    <content type="html">
&lt;p&gt;The existing real estate market is in decline and current forecasts do not see a significant rise any time soon.  However, there are many variables that could affect this forecast.  Being an election year, a new president, depending on the policies of his platform, may be able to change the economy to such an extent that the real estate market also changes.  There is no guarantee that it will be for the better but it very well may affect change.  This late in the game the front runners for the election are Barack Obama and John McCain.&lt;/p&gt;
&lt;p&gt;Obama is a Democrat who has a proposed housing reform plan.  His reformations include changes to the financial regulatory system to have stricter controls on financial institutions.  Also in his plan is a system to help with the current foreclosure problem facing many Americans today.  He proposes that the Federal government take steps to assist those who are in financial straits by buying out or refinancing existing mortgages to drop monthly payments.   Also, he wants financial institutions to restructure loans as early as possible when a borrower is having problems.  In addition he wants to increase tax incentives for people who have mortgages so they can get a break on their taxes.  His final initiative includes a federally funded program costing up to thirty million dollars to help with the existing foreclosure crisis facing America today.&lt;/p&gt;
&lt;p&gt;McCain, a Republican holds that there should be little government intervention in the banking situation and that the economic issues should play out naturally.  However, recognizing the crisis he is open to suggestion from leading authorities for temporary solutions for assistance in order to help the American public through the crisis.  However, he maintains that any assistance should be temporary and any permanent reform should be in the means of regulatory changes and increasing the accountability of banks so that the crisis does not occur again.   He also insists that any financial assistance to the public should be for those in primary residences to save their home and no assistance should go to investors in trouble or those who have trouble keeping up a second home or vacation property.&lt;/p&gt;
&lt;p&gt;While McCain is amenable to analyzing the issue and open to discussion regarding possible solutions for both long and short term, he is non committal about what his housing policy is and refuses to make it a part of his campaign.  He does not want to play on the fears of the public to win votes by touting a reform policy that is not feasible or would not pass.  Both Obama and McCain have recognized the existing housing problems in the country.  Both have acknowledged a need for some type of reform.  They do, however, disagree on how much government should be involved and in which aspects.  Obama has a clear cut strategy for housing reform as part of his campaign platform but that does not mean anything will actually come to fruition if he is elected.  McCain has been noncommittal in pinning down specifics but has stated it is something that will take precedence.  How the market will unfold after the election, though, will depend not so much on who is elected but what will actually occur when they are.  Right now, there is merely discussion and planning with nothing concrete evidenced by either side.&lt;/p&gt;
&lt;p&gt;&lt;a href="http://smilingdogenterprises.com" title="Smiling Dog Enterprises" target="_blank"&gt;We buy mortgage notes and trust deeds.&lt;/a&gt;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>'78 Honda Restored</title>
    <link href="http://activerain.com/blogsview/727201/-78-Honda-Restored" rel="alternate"/>
    <id>http://activerain.com/blogsview/727201/-78-Honda-Restored</id>
    <updated>2008-10-07T05:52:55Z</updated>
    <author>
      <name>Harold Mobley (Keller Williams)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;a href="&amp;lt;object width=&amp;quot;425&amp;quot; height=&amp;quot;344&amp;quot;&amp;gt;&amp;lt;param name=&amp;quot;movie&amp;quot; value=&amp;quot;http://www.youtube.com/v/jL6-Ab19SJs&amp;amp;hl=en&amp;amp;fs=1&amp;quot;&amp;gt;&amp;lt;/param&amp;gt;&amp;lt;param name=&amp;quot;allowFullScreen&amp;quot; value=&amp;quot;true&amp;quot;&amp;gt;&amp;lt;/param&amp;gt;&amp;lt;embed src=" title="'78 Honda Restored" type="&amp;quot;application/x-shockwave-flash&amp;quot;" target="_blank"&gt;&amp;lt;object width="425" height="344"&amp;gt;&amp;lt;param name="movie" value="http://www.youtube.com/v/jL6-Ab19SJs&amp;amp;hl=en&amp;amp;fs=1"&amp;gt;&amp;lt;/param&amp;gt;&amp;lt;param name="allowFullScreen" value="true"&amp;gt;&amp;lt;/param&amp;gt;&amp;lt;embed src="http://www.youtube.com/v/jL6-Ab19SJs&amp;amp;hl=en&amp;amp;fs=1" type="application/x-shockwave-flash" allowfullscreen="true" width="425" height="344"&amp;gt;&amp;lt;/embed&amp;gt;&amp;lt;/object&amp;gt;&lt;/a&gt;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Making the Case for Staging: A Free Luncheon Seminar!</title>
    <link href="http://activerain.com/blogsview/727200/Making-the-Case-for" rel="alternate"/>
    <id>http://activerain.com/blogsview/727200/Making-the-Case-for</id>
    <updated>2008-10-07T05:52:41Z</updated>
    <author>
      <name>Dawn Bach Thurman (Eye to Eye Interiors)</name>
    </author>
    <content type="html">
&lt;p&gt;Attention all members of the Chicago Association of Realtors!&amp;nbsp; &lt;a href=" http://www.sellthedamnlisting.com/" title="Sellthedamnlisting blog link" target="_blank"&gt;SelltheDamnListing&lt;/a&gt; is proud to announce their first free luncheon workshop on successfully marketing your listings.&amp;nbsp; And&amp;nbsp;&lt;a href="http://www.eyetoeyeinteriors.com" title="Eye to Eye Interiors website" target="_blank"&gt;Eye to Eye Interiors&lt;/a&gt; will be there to share real world tips and tools on how&amp;nbsp;to talk with your clients about staging their property to increase the chances of a quicker sale at a better price:&lt;/p&gt;
&lt;p style="padding-left: 60px; text-align: left;"&gt;&lt;strong&gt;&lt;span style="text-decoration: underline;"&gt;&lt;img src="http://activerain.com/image_store/uploads/7/8/7/3/3/ar122337651433787.jpg" height="139" alt="" width="116" style="float: left;" /&gt;Making the Case for Staging: Tips and Tools for Realtors&lt;/span&gt;&lt;/strong&gt; Congratulations!&amp;nbsp; You've got&amp;nbsp;the listing.&amp;nbsp; Now what?&amp;nbsp; Your seller's home, by their own admission, is "kind of a mess."&amp;nbsp; Convincing them to spend money to pass inspection is one thing, but how can you help them understand the big return on investment that staging can bring?&amp;nbsp;&amp;nbsp;&lt;/p&gt;
&lt;p style="padding-left: 60px; text-align: left;"&gt;&lt;strong&gt;Eye to Eye Interiors&lt;/strong&gt;&amp;nbsp;brings you real world tips on how to talk to your client about improving their chances of a quicker sale at a better price through staging.&amp;nbsp; This&amp;nbsp;seminar goes beyond the usual depersonalization tips and gives you&amp;nbsp;concrete advice you can use to&amp;nbsp;help&amp;nbsp;your client&amp;nbsp;make their property&amp;nbsp;as attractive&amp;nbsp;as possible to a&amp;nbsp;crowd of potential buyers.&amp;nbsp;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;This informative marketing workshop will feature listing professionals who are there to make &lt;em&gt;your&lt;/em&gt; job easier. &amp;nbsp;&lt;a href="http://www.vis-home.com/" title="Vis-Home website" target="_blank"&gt;Vis-Home&lt;/a&gt;, &lt;a href="http://www.realsupportinc.com/" title="Real Support Inc. website" target="_blank"&gt;Real Support, Inc.&lt;/a&gt; and &lt;a href="http://www.eyetoeyeinteriors.com" title="Eye to Eye Interiors website" target="_blank"&gt;Eye to Eye Interiors&lt;/a&gt; have teamed up to for this event to help you optimize your listing marketing.&amp;nbsp; Please join us for free lunch and an informative discussion!&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;When:&lt;/strong&gt;&amp;nbsp; 12-2 pm Wednesday, October 15, 2008&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Where:&lt;/strong&gt;&amp;nbsp; 1 E. Superior, #604, Chicago&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Free &lt;/strong&gt;to all members of the Chicago Association of Realtors.&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.smartfloorplan.com/orders/bin/workshop.php" title="10/15 Workshop Sign-Up" target="_blank"&gt;RSVP&lt;/a&gt; to &lt;strong&gt;reserve your space&lt;/strong&gt; today!&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>TODAY - TUESDAY</title>
    <link href="http://activerain.com/blogsview/727199/TODAY-TUESDAY" rel="alternate"/>
    <id>http://activerain.com/blogsview/727199/TODAY-TUESDAY</id>
    <updated>2008-10-07T05:51:55Z</updated>
    <author>
      <name>Laura &amp; Peter Justinius (John R. Wood, Inc. Realtors)</name>
    </author>
    <content type="html">
&lt;h3&gt;&lt;a href="http://akcrealty.blogspot.com/2008/10/report-for-10608-to-10708.html"&gt;Report for 10/6/08 to 10/7/08&lt;/a&gt;
&lt;p&gt;Reporting on activity seen in MLS over the past 24 hours in the NA01 thru NA07 areas of Naples, FL ... we watch the NEW LISTINGS, PENDING SALES and CLOSED SALES. &lt;br /&gt;&lt;br /&gt;This area runs from Bonita Beach Road south to the tip of Port Royal and west of US41.&lt;br /&gt;&lt;br /&gt;NEW LISTINGS: 14 ranging from $139,900 to $2,200,000&lt;br /&gt;&lt;br /&gt;PENDING SALES: 5 ranging from $369,000 to $1,495,000&lt;br /&gt;&lt;br /&gt;CLOSED SALES: 4 ranging from $379,000 to $1,790,000&lt;br /&gt;&lt;br /&gt;TOTAL INVENTORY: 2097&lt;/p&gt;
&lt;/h3&gt;    </content>
  </entry>
  <entry>
    <title>Bail Out of Town and Come See the Leaves in Maggie Valley and Waynesville!</title>
    <link href="http://activerain.com/blogsview/727197/Bail-Out-of-Town" rel="alternate"/>
    <id>http://activerain.com/blogsview/727197/Bail-Out-of-Town</id>
    <updated>2008-10-07T05:46:39Z</updated>
    <author>
      <name>Susie Blackmon-Maggie Valley Waynesville NC Realtor/RE Blogger/Photographer (COLDWELL BANKER Kasey &amp; Associates)</name>
    </author>
    <content type="html">
&lt;p&gt;Early morning temperatures in the 30's last week here in the beautiful mountains of Western North Carolina have prompted the leaves to start their show, exhibitionists that they are.&amp;nbsp; This photo was taken in &lt;em&gt;&lt;a href="http://maggievalley.org/" title="Maggie Valley website" target="_blank"&gt;&lt;strong&gt;Maggie Valley&lt;/strong&gt;&lt;/a&gt;&lt;/em&gt; Sunday (October 5th). &lt;em&gt;&lt;a href="http://townofwaynesville.org" title="Waynesville website" target="_blank"&gt;&lt;strong&gt;Waynesville&lt;/strong&gt;&lt;/a&gt;&lt;/em&gt; is also being painted with spectacularly vibrant leaves, so fire up your Airstream, or your old man, and head to the mountains to catch the show.&lt;/p&gt;
&lt;p style="text-align: center;"&gt;&lt;a href="http://www.downtownwaynesville.com/downloads/churchstreetapp08.pdf" title="See the Show flyer" target="_blank"&gt;&lt;strong&gt;&lt;em&gt;Church Street Art and Craft Show&lt;/em&gt;&lt;/strong&gt;&lt;/a&gt; this weekend in Waynesville.&lt;/p&gt;
&lt;p style="text-align: center;"&gt;&lt;a href="http://buckingtherealestatetrend.com/2008/10/04/october-means-apple-festivals-and-crafts-shows-in-downtown-waynesville-north-carolina/" title="Haywood County Apple Harvest Festival" target="_blank"&gt;&lt;strong&gt;&lt;em&gt;Apple Harvest Festival&lt;/em&gt;&lt;/strong&gt;&lt;/a&gt; in Waynesville October 18th.&lt;/p&gt;
&lt;p style="text-align: center;"&gt;&lt;img title="Leaves are alive" src="http://activerain.com/image_store/uploads/5/5/7/0/2/ar122337280520755.jpg" height="404" alt="Leaves are alive" width="395" /&gt;&lt;/p&gt;
&lt;p style="text-align: center;"&gt;&lt;span style="font-size: 11pt; font-family: 'Calibri','sans-serif';"&gt;&amp;copy;Susie Blackmon Photos&lt;/span&gt;&lt;/p&gt;
&lt;p style="text-align: left;"&gt;&lt;a href="http://buckingtherealestatetrend.com/2008/09/17/wp-content/blogs.dir/96/files/2008/06/lasso-susie.jpg" title="Susie Blackmon Caricature by Jerry Emerson"&gt;&lt;img src="http://buckingtherealestatetrend.com/2008/09/17/wp-content/blogs.dir/96/files/2008/06/lasso-susie.jpg" height="81" align="right" alt="Susie Blackmon Caricature by Jerry Emerson" width="57" /&gt;&lt;/a&gt;See my &lt;strong&gt; &lt;/strong&gt; &lt;em&gt;&lt;a href="http://buckingtherealestatetrend.com/2008/09/17/category/photos-by-susie/" title="Susie's Photos of the Day" target="_blank"&gt;&lt;strong&gt;Photos of the Day&lt;/strong&gt; &lt;/a&gt; .&lt;/em&gt;&lt;/p&gt;
&lt;p style="text-align: left;"&gt;Search the &lt;em&gt;&lt;a href="http://buckingtherealestatetrend.com/home-search/" title="Search the MLS." target="_blank"&gt;&lt;strong&gt;Haywood County, NC&lt;/strong&gt; &lt;strong&gt;MLS&lt;/strong&gt; &lt;/a&gt; &lt;/em&gt; .&lt;/p&gt;
&lt;p style="text-align: left;"&gt;&lt;a href="http://buckingtherealestatetrend.com/wp-content/blogs.dir/96/files/2008/03/01-01-aa-signature.png" title="buckingtherealestatetrend.com, susie blackmon"&gt; &lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="http://buckingtherealestatetrend.com/wp-content/blogs.dir/96/files/2008/03/01-01-aa-signature.png" title="buckingtherealestatetrend.com, susie blackmon"&gt;&lt;img src="http://buckingtherealestatetrend.com/wp-content/blogs.dir/96/files/2008/03/01-01-aa-signature.png" alt="buckingtherealestatetrend.com, susie blackmon" /&gt;&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;(Broker/(REALTOR&amp;reg;)&lt;/p&gt;
&lt;table border="0" style="border-top: 1px solid #d6d6d6; width: 100%; font-family: arial; font-style: normal; font-variant: normal; font-weight: normal; font-size: 10px; line-height: normal; font-size-adjust: none; font-stretch: normal;"&gt;
&lt;tbody&gt;
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&lt;td style="padding: 0px 5px 2px; vertical-align: top;"&gt;
&lt;div&gt;&lt;strong&gt;SUSIE BLACKMON &lt;/strong&gt;(Broker/(REALTOR&amp;reg;)&lt;/div&gt;
&lt;div&gt;&lt;strong&gt;PHONE:&amp;nbsp; &lt;span class="skype_tb_injection" id="__skype_highlight_id"&gt;&lt;span title="Skype actions" class="skype_tb_injection_left" id="__skype_highlight_id_left"&gt;&lt;span class="skype_tb_injection_left_img" id="__skype_highlight_id_left_adge" style="background-image: url(chrome://skype_ff_toolbar_win/content/cb_normal_l.gif);"&gt;&lt;img class="skype_tb_img_adge" src="chrome://skype_ff_toolbar_win/content/cb_transparent_l.gif" height="11" alt="" style="height: 11px; width: 7px;" /&gt;&lt;/span&gt;&lt;span class="skype_tb_injection_left_img" id="__skype_highlight_id_left_img" style="background-image: url(chrome://skype_ff_toolbar_win/content/cb_normal_m.gif);"&gt;&lt;img class="skype_tb_img_flag" src="chrome://skype_ff_toolbar_win/content/famfamfam/us.gif" alt="" style="padding: 0px 1px 1px 0px; width: 16px; top: 0px; left: 0px;" /&gt;&lt;img class="skype_tb_img_space" src="chrome://skype_ff_toolbar_win/content/space.gif" height="1" alt="" width="1" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" /&gt;&lt;img class="skype_tb_img_space" src="chrome://skype_ff_toolbar_win/content/space.gif" height="1" alt="" width="1" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" /&gt;&lt;img class="skype_tb_img_arrow" src="chrome://skype_ff_toolbar_win/content/arrow.gif" alt="" /&gt;&lt;img class="skype_tb_img_space" src="chrome://skype_ff_toolbar_win/content/space.gif" height="1" alt="" width="1" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" /&gt;&lt;img class="skype_tb_img_space" src="chrome://skype_ff_toolbar_win/content/space.gif" height="1" alt="" width="1" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" /&gt;&lt;/span&gt;&lt;/span&gt;&lt;img class="skype_tb_img_space" src="chrome://skype_ff_toolbar_win/content/space.gif" height="1" alt="" width="1" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" /&gt;&lt;span title="Call this phone number in United States of America with Skype: +18285503767" class="skype_tb_injection_right" id="__skype_highlight_id_right"&gt;&lt;span class="skype_tb_innerText" id="__skype_highlight_id_innerText" style="background-image: url(chrome://skype_ff_toolbar_win/content/cb_normal_m.gif);"&gt;&lt;img class="skype_tb_img_space" src="chrome://skype_ff_toolbar_win/content/space.gif" height="1" alt="" width="1" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" /&gt;&lt;img class="skype_tb_img_space" src="chrome://skype_ff_toolbar_win/content/space.gif" height="1" alt="" width="1" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" /&gt;&lt;img class="skype_tb_img_space" src="chrome://skype_ff_toolbar_win/content/space.gif" height="1" alt="" width="1" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" /&gt;&lt;img class="skype_tb_img_space" src="chrome://skype_ff_toolbar_win/content/space.gif" height="1" alt="" width="1" style="margin: 0px; padding: 0px; height: 1px; width: 1px;" /&gt;828-550-3767&lt;/span&gt;&lt;span class="skype_tb_injection_left_img" id="__skype_highlight_id_right_adge" style="background-image: url(chrome://skype_ff_toolbar_win/content/cb_normal_r.gif);"&gt;&lt;img class="skype_tb_img_adge" src="chrome://skype_ff_toolbar_win/content/cb_transparent_r.gif" height="11" alt="" style="height: 11px; width: 19px;" /&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/strong&gt;&lt;/div&gt;
&lt;div&gt;&lt;a href="http://buckingtherealestatetrend.com/" title="MY HAYWOOD COUNTY BLOG" target="_blank"&gt;&lt;strong&gt;BUCKING the REAL ESTATE TREND (Blogging website)&lt;/strong&gt;&lt;img class="snap_preview_icon" src="http://i.ixnp.com/images/v3.45/t.gif" id="snap_com_shot_link_icon" alt="" style="border: 0pt none; margin: 0pt ! important; padding: 1px 0pt 0pt; max-height: 2000px; max-width: 2000px; min-width: 0px; min-height: 0px; font-style: normal; font-weight: normal;" /&gt;&lt;/a&gt;&lt;/div&gt;
&lt;div&gt;COLDWELL BANKER Kasey &amp;amp; Assoc.&lt;/div&gt;
Maggie Valley, Waynesville, Canton, Clyde, North Carolina&amp;nbsp; 28786&lt;/td&gt;
&lt;td style="padding: 5px 2px; vertical-align: top;"&gt;&lt;strong&gt;&lt;a href="https://www.sendoutcards.com/susieblackmon" title="Send free greeting card on me!" target="_blank"&gt;Send FREE Greeting Card&lt;/a&gt;&lt;/strong&gt;
&lt;p&gt;&lt;strong&gt;&lt;a href="http://www.susieblackmon.com/" title="Susie's Haywood County blogging site" target="_blank"&gt;BLOG with Me!&lt;img class="snap_preview_icon" src="http://i.ixnp.com/images/v3.45/t.gif" id="snap_com_shot_link_icon" alt="" style="border: 0pt none; margin: 0pt ! important; padding: 1px 0pt 0pt; max-height: 2000px; max-width: 2000px; min-width: 0px; min-height: 0px; font-style: normal; font-weight: normal;" /&gt;&lt;/a&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.twitter.com/susieblackmon" title="Tweet with Susie" target="_blank"&gt;&lt;strong&gt;Susie on TWITTER&lt;/strong&gt;&lt;img class="snap_preview_icon" src="http://i.ixnp.com/images/v3.45/t.gif" id="snap_com_shot_link_icon" alt="" style="border: 0pt none; margin: 0pt ! important; padding: 1px 0pt 0pt; max-height: 2000px; max-width: 2000px; min-width: 0px; min-height: 0px; font-style: normal; font-weight: normal;" /&gt;&lt;/a&gt;&lt;/p&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;p&gt;&lt;a href="http://twitter.com/susieblackmon"&gt; &lt;/a&gt;&lt;/p&gt;
&lt;p style="text-align: left;"&gt;&amp;nbsp;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>What do you do when there's no time to do it?</title>
    <link href="http://activerain.com/blogsview/727195/What-do-you-do" rel="alternate"/>
    <id>http://activerain.com/blogsview/727195/What-do-you-do</id>
    <updated>2008-10-07T05:43:15Z</updated>
    <author>
      <name>Russel Ray, San Diego Marketing &amp; Business Consultant (Russel Ray)</name>
    </author>
    <content type="html">
&lt;br&gt;&lt;br&gt;
&lt;p style="text-align: left"&gt;&lt;font color="#006400"&gt;I often have Clients who complain about the lack of time, wanting a couple of 48-hour days or maybe even an eight-day week (might have to talk to The Beatles to get that eight-day week).&lt;/font&gt;&lt;/p&gt;
&lt;p align="center"&gt;&lt;embed allowfullscreen="true" type="application/x-shockwave-flash" src="http://www.youtube.com/v/0uKwo7exlEY&amp;amp;hl=en&amp;amp;fs=1" height="258" width="319"&gt;&lt;/p&gt;&lt;br&gt;&lt;font color="#006400"&gt;
&lt;p mce_style="text-align: center" style="text-align: center"&gt;&lt;strong&gt;&lt;font color="#af0000"&gt;&lt;font size="5"&gt;WARNING&lt;br&gt;&lt;/font&gt;&lt;br&gt;&lt;font color="#0000c8"&gt;Comment at your own risk. &lt;/font&gt;If you comment, be prepared for me&lt;br&gt;to comment at your place, usually within 7-10 days. So please,&lt;br&gt;&lt;a href="http://activerain.com/blogsview/717389/12-reasons-why-I" target="_blank"&gt;read my guidelines&lt;/a&gt; and have something for me to comment on.&lt;br&gt;Thanks! &lt;/font&gt;&lt;/strong&gt;&lt;/font&gt;&lt;font color="#006400"&gt;&lt;/p&gt;
&lt;p&gt;As I delve deeper into their situation, I usually find&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;an extreme number of interruptions;&lt;/li&gt;
&lt;li&gt;lack of knowledge about something, usually new software, indicating that they simply need more practice;&lt;/li&gt;
&lt;li&gt;or a severe misuse of time.&lt;/li&gt;&lt;/ul&gt;
&lt;p&gt;Here's some hints to help manage that time.&lt;/p&gt;
&lt;ol&gt;
&lt;li&gt;&lt;font color="#af0000"&gt;Get a laptop computer&lt;/font&gt; if you don't yet have one. (You're in real estate and don't have a laptop computer? Turn in your real estate membership card right now! LOL)&lt;br&gt;With the proliferation of WiFi hot spots, you can take your laptop computer with you during the day, such as to your Open House, and if the day is slow, get something accomplished. You can log onto the Internet, check emails, respond to emails, write an Active Rain blog entry, etc.&lt;/li&gt;
&lt;li&gt;&lt;font color="#af0000"&gt;Buy a visor voice recorder&lt;/font&gt; (just like your visor bluetooth phone devices) and dictate to yourself as you're driving down the road (providing you can bring yourself to turn The Beatles off on the CD player LOL).&lt;/li&gt;
&lt;li&gt;&lt;font color="#af0000"&gt;Rather than sitting in rush-hour traffic&lt;/font&gt; for 1&#189; hours to get home and then taking another 1&#189; hours to do everything once you get home, pull over to a mall parking lot, park in an outlying area (where the trees and wildlife are) and take 1&#189; hours to do everything there. Then it's just a 15-minute drive home and the day's over. One hour and 45 minutes versus three hours. I can handle that. This also works if two appointments are in the same area, but both are, say, 45 minutes from home. Don't drive back home between appointments. I get accused by participants at some Message Board of lying about how much work I have, or whether I even work at all, because I often log in when I'm waiting for a Client to show up, or sitting in my car downtown at the bay between inspections, and similar events.&lt;/li&gt;
&lt;li&gt;&lt;font color="#af0000"&gt;Plan your drive&lt;/font&gt;, especially with the price of gas being what it is. I remember in the (g)olden days when gas was a mere 70&#162; a gallon. I would go to Kroger's and take those purchases home. Then I would go to K-mart and take those purchases home. Then I would go out to eat and then go home. Then I would go to a movie and go home. If I had all those gallons and money back, I'd be rich! Instead, I rarely go out more than twice each day, once in the morning and once in the afternoon. I'll go to an inspection and then stop at Ralph's, Wal-Mart, the gas station, and the bank on the way home. If I'm too far away from home between inspections, then see #3.&lt;/li&gt;&lt;/ol&gt;&lt;/font&gt;&lt;font size="3" color="#af0000"&gt;&lt;strong&gt;
&lt;p style="text-align: center"&gt;Plan your day and work your plan.&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;&lt;br&gt;&lt;br&gt;
&lt;p style="text-align: center"&gt;&lt;a href="http://activerain.com/action/blogs_admin/subscribe?subscribed_agent_id=131010" target="_blank"&gt;&lt;img title="Subscribe to my blog" src="http://activerain.com/image_store/uploads/1/1/5/8/3/ar12221204538511.jpg" height="198" alt="Subscribe to my blog" width="377"&gt;&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;/p&gt;
&lt;p align="center"&gt;&lt;img src="http://www.russel-ray.com/stuff/quit-playing-around.jpg" height="171" alt="Get your 10 comments in." width="600"&gt; &lt;/p&gt;
&lt;p align="center"&gt;&lt;font size="4" color="#006400"&gt;&lt;strong&gt;Russel Ray's most recent blog entries&lt;/strong&gt;&lt;/font&gt;&lt;/p&gt;
&lt;ol&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/724881/How-can-you-take" target="_blank"&gt;How can you take a picture if you can't see the image on the screen?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/723322/Businesses-like-plants-need" target="_blank"&gt;Businesses, like plants, need a good foundation and nutrients&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/723263/Is-there-some-horse" target="_blank"&gt;Is there some horse dung for sale?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/723244/Are-you-sitting-down" target="_blank"&gt;Are you sitting down on the job?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/723195/Building-your-business-web" target="_blank"&gt;Building your business web&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/723148/Say-it-with-flowers" target="_blank"&gt;Say it with flowers, giant flowers&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/723122/My-new-partner-and" target="_blank"&gt;My new partner and I are investing $33 million in Active Rain&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/720900/Have-you-or-someone" target="_blank"&gt;Have you, or someone you know, been dooced?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/720892/You-have-to-stop" target="_blank"&gt;You have to stop the Q-tip when there's resistance&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/717511/The-grass-is-always" target="_blank"&gt;The grass is always greener on the other side&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/712925/When-will-it-all" target="_blank"&gt;When will it all end?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/709723/Do-you-sometimes-feel" target="_blank"&gt;Do you sometimes feel like a dung beetle?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/708804/What-s-in-a" target="_blank"&gt;What's in a name?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/708491/Give-me-some-news" target="_blank"&gt;Give me some news I can use&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/708136/Kittycat-marketing" target="_blank"&gt;Kittycat marketing&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/707920/Do-you-have-a" target="_blank"&gt;Do you have a cause?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/707510/Are-you-an-old" target="_blank"&gt;Are you an old-timer using old-time marketing?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/704873/Are-you-losing-contact" target="_blank"&gt;Are you losing contact with your family and friends?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/704835/How-do-you-choose" target="_blank"&gt;How do you choose a subject for your blog posts?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/704307/Wanna-go-for-a" target="_blank"&gt;Wanna go for a ride, Sugar?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/702231/How-to-use-the" target="_blank"&gt;How to use the Active Rain system more efficiently&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/696953/Can-we-rescue-the" target="_blank"&gt;Can we rescue the United States of America?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/696545/Don-t-forget-to" target="_blank"&gt;Don't forget to remember how Active Rain supports you indirectly&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/695068/Do-you-forget-to" target="_blank"&gt;Do you forget to remember, or just forget?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/694466/I-ve-read-your" target="_blank"&gt;I've read your blogs. I know you like to hear yourself type&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/691592/Marketing-to-self-identified" target="_blank"&gt;Marketing to self-identified communities&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/691187/Do-you-ever-go" target="_blank"&gt;Do you ever go out to eat?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/690265/Personalize-it-by-writing" target="_blank"&gt;Personalize it by writing it, sort of&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/690021/Keep-the-main-thing" target="_blank"&gt;Keep the main thing the main thing&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/689930/Are-you-as-slow" target="_blank"&gt;Are you as slow as a snail?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/689649/How-strong-is-your" target="_blank"&gt;How strong is your web?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/686682/Junk-mail-with-all" target="_blank"&gt;Junk mail&#8212;with all that savings, why am I broke?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/679986/How-shallow-can-you" target="_blank"&gt;How shallow can you be?&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/670751/You-too-can-accomplish" target="_blank"&gt;You, too, can accomplish something, part deux&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/670432/You-too-can-accomplish" target="_blank"&gt;You, too, can accomplish something&lt;/a&gt;&lt;/div&gt;
&lt;li&gt;
&lt;div align="left"&gt;&lt;a href="http://activerain.com/blogsview/665154/Russel-wonders-why-some" target="_blank"&gt;Russel wonders why some real estate professionals are so impersonal&lt;/a&gt;&lt;/div&gt;&lt;/li&gt;&lt;/ol&gt;    </content>
  </entry>
  <entry>
    <title>24 Hour Market Watch in the Lehigh Valley</title>
    <link href="http://activerain.com/blogsview/727194/24-Hour-Market-Watch" rel="alternate"/>
    <id>http://activerain.com/blogsview/727194/24-Hour-Market-Watch</id>
    <updated>2008-10-07T05:41:00Z</updated>
    <author>
      <name>Don Wenner (Keller Williams Real Estate)</name>
    </author>
    <content type="html">
&lt;table cellspacing="0" border="0" id="Module_4__ctl0_tblHeader" cellpadding="0" width="100%"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td id="Module_4__ctl0_tdTitle"&gt;24-Hour Market Watch&lt;/td&gt;
&lt;td id="Module_4__ctl0_tdDragImage" align="right"&gt;&lt;img src="http://medialaxh.rapmls.com/rapmlsimages/podheaders/grip.gif" border="0" id="Module_4__ctl0_imgDrag" align="absMiddle" alt="" /&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;table cellspacing="0" border="0" cellpadding="0" width="100%"&gt;
&lt;tbody&gt;
&lt;tr height="20"&gt;
&lt;td width="35%"&gt;New Listings&lt;/td&gt;
&lt;td align="right" width="15%"&gt;&lt;a href="http://lvarmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Lehigh&amp;amp;PRGNAME=MLSMarketWatch&amp;amp;ARGUMENTS=-N133098384,-AN" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl0_hprTotal"&gt;105&lt;/a&gt;&lt;/td&gt;
&lt;td width="5%"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left" width="45%" colspan="2"&gt;
&lt;table cellspacing="0" border="0" cellpadding="0" width="85%" style="height: 10px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td valign="top"&gt;
&lt;table bgcolor="#008770" cellspacing="0" bordercolor="#000000" border="1" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl0_tblBarChart" cellpadding="0" width="95.45%" style="height: 10px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td&gt;&lt;a href="http://lvarmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Lehigh&amp;amp;PRGNAME=MLSMarketWatch&amp;amp;ARGUMENTS=-N133098384,-AN" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl0_hprBarTotal"&gt;&lt;img src="http://medialaxh.rapmls.com/rapmlsimages/spacer.gif" border="0" alt="" /&gt;&lt;/a&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;tr height="20"&gt;
&lt;td width="35%"&gt;Back on Market&lt;/td&gt;
&lt;td align="right" width="15%"&gt;&lt;a href="http://lvarmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Lehigh&amp;amp;PRGNAME=MLSMarketWatch&amp;amp;ARGUMENTS=-N133098384,-AB" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl1_hprTotal"&gt;11&lt;/a&gt;&lt;/td&gt;
&lt;td width="5%"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left" width="45%" colspan="2"&gt;
&lt;table cellspacing="0" border="0" cellpadding="0" width="85%" style="height: 10px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td valign="top"&gt;
&lt;table bgcolor="#b33636" cellspacing="0" bordercolor="#000000" border="1" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl1_tblBarChart" cellpadding="0" width="10%" style="height: 10px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td&gt;&lt;a href="http://lvarmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Lehigh&amp;amp;PRGNAME=MLSMarketWatch&amp;amp;ARGUMENTS=-N133098384,-AB" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl1_hprBarTotal"&gt;&lt;img src="http://medialaxh.rapmls.com/rapmlsimages/spacer.gif" border="0" alt="" /&gt;&lt;/a&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;tr height="20"&gt;
&lt;td width="35%"&gt;Price Increases&lt;/td&gt;
&lt;td align="right" width="15%"&gt;&lt;a href="http://lvarmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Lehigh&amp;amp;PRGNAME=MLSMarketWatch&amp;amp;ARGUMENTS=-N133098384,-AI" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl2_hprTotal"&gt;6&lt;/a&gt;&lt;/td&gt;
&lt;td width="5%"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left" width="45%" colspan="2"&gt;
&lt;table cellspacing="0" border="0" cellpadding="0" width="85%" style="height: 10px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td valign="top"&gt;
&lt;table bgcolor="#71b36b" cellspacing="0" bordercolor="#000000" border="1" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl2_tblBarChart" cellpadding="0" width="5.45%" style="height: 10px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td&gt;&lt;a href="http://lvarmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Lehigh&amp;amp;PRGNAME=MLSMarketWatch&amp;amp;ARGUMENTS=-N133098384,-AI" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl2_hprBarTotal"&gt;&lt;img src="http://medialaxh.rapmls.com/rapmlsimages/spacer.gif" border="0" alt="" /&gt;&lt;/a&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;tr height="20"&gt;
&lt;td width="35%"&gt;Price Reductions&lt;/td&gt;
&lt;td align="right" width="15%"&gt;&lt;a href="http://lvarmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Lehigh&amp;amp;PRGNAME=MLSMarketWatch&amp;amp;ARGUMENTS=-N133098384,-AR" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl3_hprTotal"&gt;110&lt;/a&gt;&lt;/td&gt;
&lt;td width="5%"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left" width="45%" colspan="2"&gt;
&lt;table cellspacing="0" border="0" cellpadding="0" width="85%" style="height: 10px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td valign="top"&gt;
&lt;table bgcolor="#b36b6b" cellspacing="0" bordercolor="#000000" border="1" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl3_tblBarChart" cellpadding="0" width="100%" style="height: 10px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td&gt;&lt;a href="http://lvarmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Lehigh&amp;amp;PRGNAME=MLSMarketWatch&amp;amp;ARGUMENTS=-N133098384,-AR" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl3_hprBarTotal"&gt;&lt;img src="http://medialaxh.rapmls.com/rapmlsimages/spacer.gif" border="0" alt="" /&gt;&lt;/a&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;tr height="20"&gt;
&lt;td width="35%"&gt;Contingents&lt;/td&gt;
&lt;td align="right" width="15%"&gt;&lt;a href="http://lvarmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Lehigh&amp;amp;PRGNAME=MLSMarketWatch&amp;amp;ARGUMENTS=-N133098384,-AC" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl4_hprTotal"&gt;2&lt;/a&gt;&lt;/td&gt;
&lt;td width="5%"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left" width="45%" colspan="2"&gt;
&lt;table cellspacing="0" border="0" cellpadding="0" width="85%" style="height: 10px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td valign="top"&gt;
&lt;table bgcolor="#6b8bb3" cellspacing="0" bordercolor="#000000" border="1" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl4_tblBarChart" cellpadding="0" width="1.81%" style="height: 10px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td&gt;&lt;a href="http://lvarmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Lehigh&amp;amp;PRGNAME=MLSMarketWatch&amp;amp;ARGUMENTS=-N133098384,-AC" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl4_hprBarTotal"&gt;&lt;img src="http://medialaxh.rapmls.com/rapmlsimages/spacer.gif" border="0" alt="" /&gt;&lt;/a&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;tr height="20"&gt;
&lt;td width="35%"&gt;Pendings&lt;/td&gt;
&lt;td align="right" width="15%"&gt;&lt;a href="http://lvarmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Lehigh&amp;amp;PRGNAME=MLSMarketWatch&amp;amp;ARGUMENTS=-N133098384,-AP" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl5_hprTotal"&gt;22&lt;/a&gt;&lt;/td&gt;
&lt;td width="5%"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left" width="45%" colspan="2"&gt;
&lt;table cellspacing="0" border="0" cellpadding="0" width="85%" style="height: 10px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td valign="top"&gt;
&lt;table bgcolor="#f29779" cellspacing="0" bordercolor="#000000" border="1" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl5_tblBarChart" cellpadding="0" width="20%" style="height: 10px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td&gt;&lt;a href="http://lvarmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Lehigh&amp;amp;PRGNAME=MLSMarketWatch&amp;amp;ARGUMENTS=-N133098384,-AP" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl5_hprBarTotal"&gt;&lt;img src="http://medialaxh.rapmls.com/rapmlsimages/spacer.gif" border="0" alt="" /&gt;&lt;/a&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;tr height="20"&gt;
&lt;td width="35%"&gt;Solds&lt;/td&gt;
&lt;td align="right" width="15%"&gt;&lt;a href="http://lvarmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Lehigh&amp;amp;PRGNAME=MLSMarketWatch&amp;amp;ARGUMENTS=-N133098384,-AS" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl6_hprTotal"&gt;25&lt;/a&gt;&lt;/td&gt;
&lt;td width="5%"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left" width="45%" colspan="2"&gt;
&lt;table cellspacing="0" border="0" cellpadding="0" width="85%" style="height: 10px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td valign="top"&gt;
&lt;table bgcolor="#73a4e5" cellspacing="0" bordercolor="#000000" border="1" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl6_tblBarChart" cellpadding="0" width="22.72%" style="height: 10px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td&gt;&lt;a href="http://lvarmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Lehigh&amp;amp;PRGNAME=MLSMarketWatch&amp;amp;ARGUMENTS=-N133098384,-AS" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl6_hprBarTotal"&gt;&lt;img src="http://medialaxh.rapmls.com/rapmlsimages/spacer.gif" border="0" alt="" /&gt;&lt;/a&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;tr height="20"&gt;
&lt;td width="35%"&gt;Expireds&lt;/td&gt;
&lt;td align="right" width="15%"&gt;&lt;a href="http://lvarmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Lehigh&amp;amp;PRGNAME=MLSMarketWatch&amp;amp;ARGUMENTS=-N133098384,-AX" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl7_hprTotal"&gt;22&lt;/a&gt;&lt;/td&gt;
&lt;td width="5%"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left" width="45%" colspan="2"&gt;
&lt;table cellspacing="0" border="0" cellpadding="0" width="85%" style="height: 10px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td valign="top"&gt;
&lt;table bgcolor="#e5c173" cellspacing="0" bordercolor="#000000" border="1" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl7_tblBarChart" cellpadding="0" width="20%" style="height: 10px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td&gt;&lt;a href="http://lvarmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Lehigh&amp;amp;PRGNAME=MLSMarketWatch&amp;amp;ARGUMENTS=-N133098384,-AX" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl7_hprBarTotal"&gt;&lt;img src="http://medialaxh.rapmls.com/rapmlsimages/spacer.gif" border="0" alt="" /&gt;&lt;/a&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;tr height="20"&gt;
&lt;td width="35%"&gt;Inactives&lt;/td&gt;
&lt;td align="right" width="15%"&gt;&lt;a href="http://lvarmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Lehigh&amp;amp;PRGNAME=MLSMarketWatch&amp;amp;ARGUMENTS=-N133098384,-AV" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl8_hprTotal"&gt;38&lt;/a&gt;&lt;/td&gt;
&lt;td width="5%"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td align="left" width="45%" colspan="2"&gt;
&lt;table cellspacing="0" border="0" cellpadding="0" width="85%" style="height: 10px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td valign="top"&gt;
&lt;table bgcolor="#8f673f" cellspacing="0" bordercolor="#000000" border="1" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl8_tblBarChart" cellpadding="0" width="34.54%" style="height: 10px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td&gt;&lt;a href="http://lvarmls.rapmls.com/scripts/mgrqispi.dll?APPNAME=Lehigh&amp;amp;PRGNAME=MLSMarketWatch&amp;amp;ARGUMENTS=-N133098384,-AV" id="Module_4__ctl1__ctl0_rptMarketWatch__ctl8_hprBarTotal"&gt;&lt;img src="http://medialaxh.rapmls.com/rapmlsimages/spacer.gif" border="0" alt="" /&gt;&lt;/a&gt;&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;p&gt;&lt;strong&gt;Looking for 100% No money down financing?&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;Go To&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&amp;nbsp;&lt;/strong&gt;&lt;strong&gt;http://&lt;/strong&gt;&lt;a href="http://www.nocashdownprogram.com/"&gt;&lt;strong&gt;www.nocashdownprogram.com&lt;/strong&gt;&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;or call 24/7&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;877-735-3527&amp;nbsp; ID # 1074&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;em&gt;&lt;strong&gt;Don Wenner &lt;/strong&gt;&lt;/em&gt;&lt;br /&gt;&lt;strong&gt;The Don Wenner Home Selling Team&lt;/strong&gt;&lt;strong&gt;&lt;br /&gt;&lt;/strong&gt;Keller Williams Real Estate&amp;nbsp;&lt;br /&gt;2901 Emrick Blvd. Suite 100&amp;nbsp;&lt;br /&gt;Bethlehem PA 18020&lt;br /&gt;PA RE License #RS300485&lt;br /&gt;(C) 484-542-2868 &lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; (O) 610-867-8888&lt;br /&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; (F) 610-867-8889&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.donwenner.com/" target="_blank"&gt;&lt;strong&gt;http://www.donwenner.com&lt;/strong&gt;&lt;/a&gt;&lt;strong&gt;&amp;nbsp;&amp;nbsp; &lt;/strong&gt;&lt;strong&gt;&lt;br /&gt;&lt;/strong&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;a href="mailto:don@donwenner.com"&gt;&lt;strong&gt;don@donwenner.com&lt;/strong&gt;&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;br /&gt;&lt;strong&gt;&lt;em&gt;"Your Home Sold Guaranteed, Or I'll Buy It"&lt;/em&gt;&lt;/strong&gt;&lt;strong&gt;&lt;br /&gt;&lt;em&gt;"Buy A home with our Team and Receive &lt;/em&gt;&lt;br /&gt;&lt;em&gt;up to a $10,000 Cash Reward!&lt;/em&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;br /&gt;Chris Hoffman&lt;br /&gt;Pa Re License #RS298340&lt;br /&gt;Theresa Barlow&lt;br /&gt;Pa Re License #RS281312&lt;br /&gt;Barb Miers&lt;br /&gt;Pa Re License #RS278138&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Chinese young beauty's new home  </title>
    <link href="http://activerain.com/blogsview/727193/Chinese-young-beauty-s" rel="alternate"/>
    <id>http://activerain.com/blogsview/727193/Chinese-young-beauty-s</id>
    <updated>2008-10-07T05:39:24Z</updated>
    <author>
      <name>cheer wu (ISHOWDATA)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;img src="http://activerain.com/image_store/uploads/9/6/3/2/3/ar122337713232369.jpg" height="481" alt="" width="576" /&gt;&lt;/p&gt;
&lt;p&gt;CHESE DIMAND&lt;/p&gt;
&lt;p&gt;YOU MUST THINK THE HOUSE IS VERY EXPENSIVE! ACTUALLY THE HOUSE HERE IS ONLY 720 DOLLER/SQ.M!&lt;/p&gt;
&lt;p&gt;&lt;img src="http://activerain.com/image_store/uploads/2/5/8/0/7/ar122337326470852.jpg" height="800" alt="SHE LIVES THE SIXTH FLOOR,WHICH HAS GREAT SIGHT" width="600" /&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;SHE&amp;nbsp;MOVED ONTO THE SIXTH FLOOR WHEN&amp;nbsp;SHE&amp;nbsp;WAS 22&amp;nbsp;.DO YOU ADMIRE SHE IS SO YOUNG OWNING SUCH COMFORTABLE HOME,WHICH HAS GREAT SIGHT?&lt;/p&gt;
&lt;p&gt;&lt;img src="http://activerain.com/image_store/uploads/9/0/6/4/5/ar122337727154609.jpg" height="450" alt="" width="600" /&gt;&lt;/p&gt;
&lt;p&gt;THE LARGEST POSTMODERN HOME SCHEME BLOCK&lt;img src="http://activerain.com/image_store/uploads/6/0/1/5/2/ar12233774025106.jpg" height="375" alt="" width="600" /&gt;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Town of Greenburgh Dog Park</title>
    <link href="http://activerain.com/blogsview/727192/Town-of-Greenburgh-Dog" rel="alternate"/>
    <id>http://activerain.com/blogsview/727192/Town-of-Greenburgh-Dog</id>
    <updated>2008-10-07T05:37:51Z</updated>
    <author>
      <name>Miriam Bernstein,Westchester County Real Estate (RE/MAX Prime Properties)</name>
    </author>
    <content type="html">
&lt;p style="text-align: justify;"&gt;&lt;img src="http://activerain.com/image_store/uploads/5/5/4/8/3/ar12233758038455.jpg" height="200" alt="" width="223" /&gt;After several years of discussion New York State granted the Town of Greeburgh $43,000 to build a dog park.&amp;nbsp; This dog park officially opened this week and is a state of the art dog park.&amp;nbsp; There is an area for small dogs and there is an area for large dogs.&amp;nbsp; There are trails that dogs will love.&amp;nbsp; This dog park is located in E. Runsbrook Park which is a Town Park and will be maintained by the Town.&amp;nbsp; Private donations are being requested from dog lovers and pet owners.&lt;/p&gt;
&lt;p style="text-align: justify;"&gt;There is proper etiquette for dogs and dog owners going to a dog park.&amp;nbsp; Dogs need to interact and bully dogs are not welcome.&amp;nbsp; To read what to look for, &lt;a href="http://www.animal-link.org/parkssafety.shtml" target="_blank"&gt;Dog Park Safety.&lt;/a&gt;&lt;/p&gt;
&lt;p style="text-align: justify;"&gt;This park is located off of Dobbs Ferry Road.&amp;nbsp; Taking the Sprain Brook Parkway South taking the Greenburgh/Ardsley Exit.&amp;nbsp; Right at the Stop Sign (Dobbs Ferry Road) and then another immediate right.&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>HOMEOWNERS PRICE IT RIGHT IN TODAY'S REAL ESTATE MARKET</title>
    <link href="http://activerain.com/blogsview/727191/HOMEOWNERS-PRICE-IT-RIGHT" rel="alternate"/>
    <id>http://activerain.com/blogsview/727191/HOMEOWNERS-PRICE-IT-RIGHT</id>
    <updated>2008-10-07T05:34:52Z</updated>
    <author>
      <name>Larry &amp; Sheila Agranoff Licensed Broker Associate/Licensed Sales (Coldwell Banker Residential Brokerage)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;em&gt;&lt;a href="http://smithtownrealestate.files.wordpress.com/2008/10/price-it-right.jpg"&gt;&lt;img title="price-it-right" src="http://smithtownrealestate.wordpress.com/files/2008/10/price-it-right.jpg?w=106" height="96" alt="" width="106" /&gt;&lt;/a&gt;&lt;strong&gt;Be aware that with the high inventory of homes on the market, buyers are more&amp;nbsp;choosier and they can demand more...&lt;/strong&gt;&lt;/em&gt;&lt;/p&gt;
&lt;p&gt;Ok, so we're in the middle of a challenging market in the real estate industry. However,&amp;nbsp;with this kind of market,&amp;nbsp;&amp;nbsp;there are&amp;nbsp;opportunities for some home sellers. The trick is to price your home right for today's market.&lt;/p&gt;
&lt;p&gt;The most difficult reality for most sellers to face is that prices in their neighborhood may have dropped during the last year or two. Some sellers&amp;nbsp;are finding that it may not make sense to sell now&amp;nbsp;if the probable sale price is too low.&lt;/p&gt;
&lt;p&gt;Most sellers don't have the luxury of the waiting game in selling their houses. They're moving because of job relocation, downsizing, need for a&amp;nbsp;larger house, and so on.&lt;/p&gt;
&lt;p&gt;Today's home buyers are extremely price-conscious. There is a lot to choose from so price will&amp;nbsp;probably be&amp;nbsp;the deciding&amp;nbsp;factor. A price that's too high for this market just won't bring the results that a home seller may be hoping for.&lt;/p&gt;
&lt;p&gt;First-time home buyers especially&amp;nbsp;in this current&amp;nbsp;market are more cautious about what they buy because they&amp;nbsp;fear that the property they buy might drop in value before it starts appreciating. They are less prone to make compromises.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;Some situations to consider when selling your house are factors in the condition of your property and may not be able to fix like an awkward floor plan that can't be changed, a location next to a noisy highway, a house that just may need too much work to fix up, or a house&amp;nbsp;where the property just drops&amp;nbsp;with no usuable land to entertain on.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;This doesn't mean you can't sell your home if it has some negativities to it. But, you will need to account for these in&amp;nbsp;your price. Keep this in mind when you compare your home with ones that sold recently that had new everything, a&amp;nbsp;great floor plan, wasn't on a busy street , and had level property.&lt;/p&gt;
&lt;p&gt;The condition of your property will also be scrutinized more carefully in the current market than it would have been a few years ago. You can sell a property that&amp;nbsp;needs work. &amp;nbsp;But, you will sell it quicker and for a better price if you can repair&amp;nbsp;necessary&amp;nbsp;potential problems,&amp;nbsp;and have the property looking great when it hits the market. If this is not possible, take this into consideration in your list price.&lt;/p&gt;
&lt;p&gt;So,&amp;nbsp;letting a listing sit on the market too long at a high price sends the wrong message to buyers and could result in a lower sale price if market prices in your area continue to decline.&lt;/p&gt;
&lt;p&gt;Look, every property no matter what condition or location has a price at which it will sell. Most have a magic price and owners have to be realistic in their expections.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;If you're looking to buy or sell a home on Long Island, please contact &lt;a href="http://www.cbmoves.com/larry.agranoff"&gt;Larry &amp;amp; Sheila&lt;/a&gt;&amp;nbsp;of Coldwell Banker Residential Brokerage. We can help you with every aspect of buying or selling your home because...we're experienced, we're professional...and we love what we do...We get to sell Long Island Real Estate.&amp;nbsp;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Making the Case for Staging</title>
    <link href="http://activerain.com/blogsview/727190/Making-the-Case-for" rel="alternate"/>
    <id>http://activerain.com/blogsview/727190/Making-the-Case-for</id>
    <updated>2008-10-07T05:19:57Z</updated>
    <author>
      <name>Dawn Bach Thurman (Eye to Eye Interiors)</name>
    </author>
    <content type="html">
&lt;p&gt;You're meeting with your client for the first time and it goes something like this:&lt;/p&gt;
&lt;p&gt;You:&amp;nbsp; "So nice to meet you. Thanks for having me."&lt;/p&gt;
&lt;p&gt;Your Seller:&amp;nbsp; "Great to meet you too.&amp;nbsp; Sorry the place is kind of a mess."&lt;/p&gt;
&lt;p&gt;You:&amp;nbsp; "Oh, it's alright - I understand."&lt;/p&gt;
&lt;p&gt;But in the back of your mind, you're thinking, "Kind of a mess?&amp;nbsp; Kind of a nightmare!"&amp;nbsp; There are trophies on the mantle, magazines piled high and lace doilies everywhere.&amp;nbsp; The stairwell is peppered with family photos from top to bottom. Figurines sit on every windowsill.&amp;nbsp; There's a well-loved striped velour chair parked next to a gigantic TV taking up the better portion of what clearly was once a formal dining room.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;You take the tour, then sit down and give your spiel.&amp;nbsp; It goes over well and congratulations, the first hurdle is over.&amp;nbsp; You've got the listing.&amp;nbsp; The place has good bones - someone will buy it... eventually.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;At this point, many realtors simply focus on talking with the homeowner about how to prepare for inspection.&amp;nbsp; Making certain that the plumbing and electrical are up to par is key - no doubt.&amp;nbsp; But you and I both know that buyers don't form their first impressions of a property by looking under the sink.&lt;/p&gt;
&lt;p&gt;Your homeowner is proud of their home, their furnishings, their trophies, their wall of family photos - as they should be.&amp;nbsp; They've worked hard to make the place uniquely theirs.&amp;nbsp; So advising them that it needs a new look may not go over well.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;How will you approach the topic of getting their place "ready" for showings when they think it already is?&amp;nbsp;&amp;nbsp;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Start by affirming them.&amp;nbsp; Their home is well-loved.&amp;nbsp; They've made many memories there.&amp;nbsp; But now that they are selling, the focus shifts.&amp;nbsp; Now, it's all about helping other people - prospective buyers&amp;nbsp;- picture living there, creating their own memories.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;The next step is to educate.&amp;nbsp; Remember, your client relies on your expertise to help sell their property.&amp;nbsp; You are the expert in the room.&amp;nbsp; For many people, you are their sole source of information and advice about selling their home.&lt;/p&gt;
&lt;p&gt;Luckily, many homeowners are at least aware of the concept of staging, thanks to the recent popularity of TV shows on the subject.&amp;nbsp; But most don't realize that staging isn't just something seen on TV - it's a real life, attainable and affordable service available to anyone.&amp;nbsp; And it can help make their place &lt;strong&gt;even more attractive&lt;/strong&gt; to buyers.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Describe how it works - a professional stager will come in with an objective eye to rearrange furniture, artwork - often using the homeowner's existing furnishings.&amp;nbsp; The process takes about a day and voila, the place is ready to be photographed for the listing.&amp;nbsp; Be sure to take the time to paint the logistical picture for them.&amp;nbsp; Unless you do, few people can imagine letting a stranger come in and move their stuff around.&amp;nbsp; Which is why you'll also advise them how it will be worth the investment.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Both you and your client have the bottom line in mind.&amp;nbsp; Staging can make all the difference, especially in a slow, saturated market.&amp;nbsp; With your next listing, help your homeowner get a leg up on the competition and introduce them to the concept of staging.&amp;nbsp; It just might be the key to your making a quicker sale at a better price.&lt;/p&gt;
&lt;p&gt;For more tips on selling and staging properties, contact a Qualified Redesign Specialist with &lt;strong&gt;&lt;em&gt;&lt;a href="http://www.eyetoeyeinteriors.com" title="Eye to Eye Interiors website" target="_blank"&gt;Eye to Eye Interiors&lt;/a&gt; &amp;nbsp;&lt;/em&gt;&lt;/strong&gt;for an affordable consultation.&amp;nbsp; Serving Chicago and the surrounding suburbs.&amp;nbsp; (773) 350-7020.&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>8 builders Respond To Slum Project</title>
    <link href="http://activerain.com/blogsview/727189/8-builders-Respond-To" rel="alternate"/>
    <id>http://activerain.com/blogsview/727189/8-builders-Respond-To</id>
    <updated>2008-10-07T05:16:28Z</updated>
    <author>
      <name>shailendra  kumar (shri Aditya estate)</name>
    </author>
    <content type="html">
&lt;p&gt;Eight developers have shown interest in &lt;a href="http://www.zameen-zaidad.com/delhi-real-estate.aspx"&gt;Delhi Development Authority's&lt;/a&gt; ambitious project of going ahead with the "In-situ Slum Rehabilitation Scheme", wherein slum dwellers of chosen clusters will be rehabilitated at or near the site of existing clusters themselves in organised multi-storey dwelling units.&lt;/p&gt;
&lt;p&gt;The developers, who have applied in response to DDA's call for request for qualification for the scheme, include Pune- and Mumbai-based companies also. Mumbai-based Housing Development Infrastructure Limited, an established name in the state, is one of the applicants. Then there is BG Sirke, another major developer from Pune. Even big developers like UNITECH have shown interest.&lt;/p&gt;
&lt;p&gt;According to &lt;a href="http://www.zameen-zaidad.com/real-estate-mumbai.aspx"&gt;DDA officals, firms from Mumbai&lt;/a&gt; and Pune seem keen as the in-situ rehabilitation of slum dwellers along lines that DDA is planning has already been executed in Mumbai. DDA, which is scrutinizing credentials of these eight developers, will short-list final contestants in about two weeks. DDA will then ask them to submit a detailed proposal and financial bids. These will then be analyzed and the final developer for each project will be selected from time to time. DDA hopes to start awarding work by December end.&lt;/p&gt;
&lt;p&gt;The first four projects which are likely to kickstart first include sites at Kathputli Colony, spread over an area of 5.22 ha, Jailorwala Bagh, spread over an area of 10.2 ha, Block E &amp;amp; F Sector-18 Rohini, spread over 3.02 ha, and Camp 2 Keshopur Vikas Puri, spread over 0.7854 ha. There are about 5500 JJ units eligible for rehabilitation in these clusters.&lt;/p&gt;
&lt;p&gt;Besides these four, there are 17 more sites DDA has chosen to execute the scheme. These include sites like Krishna Park near Vikas Puri, Shyam Nagar K-Block, Shankar Garden in Vikas Puri, JJ Cluster Subhash Nagar-I, Raghubir Nagar, behind booster pump, and three clusters in Vasant Vihar, among others.&lt;/p&gt;
&lt;p&gt;Earlier this month, &lt;a href="http://www.zameen-zaidad.com/real-estate-mumbai.aspx"&gt;Delhi Development Authority&lt;/a&gt; came out with an "In-Situ Slum Rehabilitation Scheme", wherein a number of JJ dwellers will be rehabilitated with all civic amenities near the area, where they have been living in jhuggi jhonpri clusters for years.&lt;/p&gt;
&lt;p&gt;The initiative for rehabilitation of slum and JJ dwellers is a departure from the earlier resettlement schemes, wherein jhuggi dwellers were shifted and settled at far off places from their places of occupation and residence, leading to unemployment and further proliferation in search of occupation. The earlier policy had failed to work and saw the return of slum dwellers to their original place of occupation.&lt;/p&gt;
&lt;p&gt;Under the scheme, resettlement will be done on the land occupied by JJ clusters with private partnership. The land will be sold through tender process to a private partner for construction of multistory houses. The number of storeys will depend on availability of land and can vary from 9 to 11 storeys. Provision for lift is also being considered.&lt;/p&gt;
&lt;p&gt;&amp;nbsp; Courtesy:- TOI dtd:- 6th Oct. 2008&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>NBCC MAY GO PUBLIC NEXT YR</title>
    <link href="http://activerain.com/blogsview/727188/NBCC-MAY-GO-PUBLIC" rel="alternate"/>
    <id>http://activerain.com/blogsview/727188/NBCC-MAY-GO-PUBLIC</id>
    <updated>2008-10-07T05:15:39Z</updated>
    <author>
      <name>shailendra  kumar (shri Aditya estate)</name>
    </author>
    <content type="html">
&lt;p&gt;NATIONAL Building Construction Corporation (NBCC), a mini-ratna public sector undertaking, is planning to float an initial public offering (IPO) next year.&lt;/p&gt;
&lt;p&gt;The company, which has recorded a 400% jump in its net profit at Rs 280 crore in 2007-08, plans to raise money from the market to venture into power sector.&lt;/p&gt;
&lt;p&gt;"We are planning to raise money from the market. We hope to launch the IPO by the next year as the market is expected to move up in the near future," NBCC chairman &amp;amp; managing director Arup Roy Choudhary said. Besides its involvement in building and construction activities, NBCC is planning to launch several power &lt;a href="http://www.zameen-zaidad.com/Builder_project.aspx"&gt;projects in various states&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;"We are having discussions with several state electricity boards for power projects under joint venture," Mr Chouhury said. The company is in the process of developing a 1,000-MW power project in Chhattisgarh.&lt;/p&gt;
&lt;p&gt;Besides Chhattisgarh, NBCC is having discussions with Karnataka and Jharkhand for setting up power projects.&lt;/p&gt;
&lt;p&gt;The company is also diversifying into housing sector and has already taken up &lt;a href="http://www.zameen-zaidad.com/city_special.aspx"&gt;housing projects in Delhi and Kolkata&lt;/a&gt;. The company's plan is to construct affordable houses in the national capital region (NCR) in the near future. It also has a overseas plan. "We want to expand out construction activities in the Middle East first," he said.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;Courtesy:- ET dtd:- 4th Oct. 2008&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>HOW DUMB ARE MY REAL ESTATE FRIENDS ON HERE? TAKE A LOOK INSIDE THE BEST BLOG EVER</title>
    <link href="http://activerain.com/blogsview/727186/HOW-DUMB-ARE-MY" rel="alternate"/>
    <id>http://activerain.com/blogsview/727186/HOW-DUMB-ARE-MY</id>
    <updated>2008-10-07T05:09:29Z</updated>
    <author>
      <name>Alonzo  Williams MORTGAGE BROKER IN CA  (Financial Destinations Inc.)</name>
    </author>
    <content type="html">
&lt;p&gt;WOW, my real estate friends are really dumb, i am sitting here , LOOK TO THE RIGHT AT MY TRUCK ,&lt;/p&gt;
&lt;p&gt;YOU HAVENT SEEN NOTHING IN THE WORLD LIKE IT. LOL LOOK ABOVE IT SAYS FINANCIAL&lt;/p&gt;
&lt;p&gt;DESTINATIONS AND YOU KNOW PEOPLE WHO &amp;nbsp;IS GOING THROUGH FINANCIAL DEVISTATION. LOL&lt;/p&gt;
&lt;p&gt;YOU GUYS NEED TO SEE WHAT I SEE. LET ME PUT THIS IN BABY TERMS&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;I OWN A 50 MILLION DOLLAR DEBT FREE COMPANY AND IS THE ONLY FULL FINANCIAL SOLUTIONS&lt;/p&gt;
&lt;p&gt;COMPANY. I HAVE LOOKED ON HERE AND READ ALL THE BAD THINGS GOING ON IN THE ECONOMY&lt;/p&gt;
&lt;p&gt;AND I HAVE THE FULL SOLUTION. I WOULD CALL SOME OF YOU BUT YOU STILL WONT LISTEN,LOL&lt;/p&gt;
&lt;p&gt;HEY I GOT IT&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;WALLSTREET IS GETTING BAILED OUT , MEANING THE RICH , WHAT ABOUT MAINSTREET WHO'S&lt;/p&gt;
&lt;p&gt;BAILING US OUT &amp;nbsp;-- DONT WORRY ILL WAIT ( THE ANSWER IS NOBODY) STOP TALKING ABOUT THE&lt;/p&gt;
&lt;p&gt;ECONOMY IS BAD, STOP CRYING YOU GUYS NEED TO MAKE MORE MONEY THAN EVER.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;HEY NONE OF YOU REAL ESTATE PROFESSIONALS ARE DUMB I WAS JUST PLAYING AROUND BUT&lt;/p&gt;
&lt;p&gt;WATCH HOW MANY PEOPLE COMMENT MY BLOG WITH MEAN STUFF&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;GO HERE www.fdiadvantages.com and if you think you could offer these life changing services get in contact with me&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;COMMENT ME AND LET ME KNOW IF YOU COULD USE AN EXTRA 5,000 T0 20,000 A MONTH AND MY&lt;/p&gt;
&lt;p&gt;EXPERTS DO ALL THE WORK, ALL YOU HAVE TO DO IS REFER PEOPLE THATS IT&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Selling Steps Part 2 of 3</title>
    <link href="http://activerain.com/blogsview/727185/Selling-Steps-Part-2" rel="alternate"/>
    <id>http://activerain.com/blogsview/727185/Selling-Steps-Part-2</id>
    <updated>2008-10-07T05:05:36Z</updated>
    <author>
      <name>Carol Swain, Realtor -www.swainsells.com- Bucks County, Pa  (Keller Williams Real Estate)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;strong&gt;Selling Steps Cont.&amp;nbsp; Part 2 of 3&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;STEP 4 - MARKETING STRATEGY&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;Now that your home is ready, it's time to put it up for sale and market it. Establishing a marketing strategy with your real estate agent is a must. Your agent will expose your home to the greatest number of potential buyers possible. He or she will use a marketing plan that will bring not only the most buyers, but also the most qualified buyers to your doorstep.&lt;br /&gt;&lt;br /&gt;There are many different ways to get the word out that your home is for sale. A yard sign, flyers, and direct marketing are just a few of the many options available. If you are in a buyer's market you will have to be extra careful when choosing a plan. You don't want your property to sit unnoticed. You and your agent should structure your marketing strategy so that the first 3-6 weeks that your house is on the market will be the busiest.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;STEP 5 - RECEIVE AN OFFER&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;When a buyer decides they like your home, they will make you a written offer. Your real estate agent will advise you as to whether or not the prospective buyer is qualified to purchase your home. After all, who needs to review an offer from a buyer that is unable to buy it?&lt;br /&gt;&lt;br /&gt;After determining the buyer's qualifications, you and your agent will review the written contract, taking care to understand what is required of both parties to execute the transaction. The contract should protect the interests of all parties.&lt;br /&gt;&lt;br /&gt;After you accept the offer, it may be too late to make any changes. The contract, though not limited to this list, should include the following:&lt;/p&gt;
&lt;ul type="disc"&gt;
&lt;li&gt;Legal description of the property &lt;/li&gt;
&lt;li&gt;Offer price &lt;/li&gt;
&lt;li&gt;Down payment &lt;/li&gt;
&lt;li&gt;Financing arrangements &lt;/li&gt;
&lt;li&gt;List of fees and who will pay them &lt;/li&gt;
&lt;li&gt;Deposit amount &lt;/li&gt;
&lt;li&gt;Inspection rights and possible repair allowances &lt;/li&gt;
&lt;li&gt;Method of conveying the title and who will handle the closing &lt;/li&gt;
&lt;li&gt;Appliances and furnishings that will stay with the home &lt;/li&gt;
&lt;li&gt;Settlement date &lt;/li&gt;
&lt;li&gt;Contingencies &lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;Remember that the legalities of this phase are very important. If you have any questions or concerns, be certain to address them with your real estate agent right away.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;STEP 6 - NEGOTIATE TO SELL&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;Most offers to purchase your home will require some negotiating to come to a win-win agreement. You real estate agent is well versed on the intricacies of the contracts used in your area and will protect your best interest throughout the bargaining. Your agent also knows what each contract clause means, what you will net from the sale and what areas are easiest to negotiate. Your agent will review the written offer with you to make sure you thoroughly understand what the buyers are offering and what they are asking you for in return. &lt;br /&gt;&lt;br /&gt;Some negotiable items:&lt;/p&gt;
&lt;ul type="disc"&gt;
&lt;li&gt;Price &lt;/li&gt;
&lt;li&gt;Financing &lt;/li&gt;
&lt;li&gt;Closing costs &lt;/li&gt;
&lt;li&gt;Repairs &lt;/li&gt;
&lt;li&gt;Appliances and fixtures &lt;/li&gt;
&lt;li&gt;Landscaping &lt;/li&gt;
&lt;li&gt;Painting &lt;/li&gt;
&lt;li&gt;Occupancy time frame &lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;Once both parties have agreed on the terms of the sale, your agent will prepare a contract. Remember...bargaining is not a winner-take-all deal. It is a business process that involves compromise and mutual respect.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Selling Steps Part 2 of 3</title>
    <link href="http://activerain.com/blogsview/727184/Selling-Steps-Part-2" rel="alternate"/>
    <id>http://activerain.com/blogsview/727184/Selling-Steps-Part-2</id>
    <updated>2008-10-07T05:03:49Z</updated>
    <author>
      <name>Carol Swain, Realtor -www.swainsells.com- Bucks County, Pa  (Keller Williams Real Estate)</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;strong&gt;Selling Steps Cont.&amp;nbsp; Part 2 of 3&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;STEP 4 - MARKETING STRATEGY&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;Now that your home is ready, it's time to put it up for sale and market it. Establishing a marketing strategy with your real estate agent is a must. Your agent will expose your home to the greatest number of potential buyers possible. He or she will use a marketing plan that will bring not only the most buyers, but also the most qualified buyers to your doorstep.&lt;br /&gt;&lt;br /&gt;There are many different ways to get the word out that your home is for sale. A yard sign, flyers, and direct marketing are just a few of the many options available. If you are in a buyer's market you will have to be extra careful when choosing a plan. You don't want your property to sit unnoticed. You and your agent should structure your marketing strategy so that the first 3-6 weeks that your house is on the market will be the busiest.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;strong&gt;STEP 5 - RECEIVE AN OFFER&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;When a buyer decides they like your home, they will make you a written offer. Your real estate agent will advise you as to whether or not the prospective buyer is qualified to purchase your home. After all, who needs to review an offer from a buyer that is unable to buy it?&lt;br /&gt;&lt;br /&gt;After determining the buyer's qualifications, you and your agent will review the written contract, taking care to understand what is required of both parties to execute the transaction. The contract should protect the interests of all parties.&lt;br /&gt;&lt;br /&gt;After you accept the offer, it may be too late to make any changes. The contract, though not limited to this list, should include the following:&lt;/p&gt;
&lt;ul type="disc"&gt;
&lt;li&gt;Legal description of the property &lt;/li&gt;
&lt;li&gt;Offer price &lt;/li&gt;
&lt;li&gt;Down payment &lt;/li&gt;
&lt;li&gt;Financing arrangements &lt;/li&gt;
&lt;li&gt;List of fees and who will pay them &lt;/li&gt;
&lt;li&gt;Deposit amount &lt;/li&gt;
&lt;li&gt;Inspection rights and possible repair allowances &lt;/li&gt;
&lt;li&gt;Method of conveying the title and who will handle the closing &lt;/li&gt;
&lt;li&gt;Appliances and furnishings that will stay with the home &lt;/li&gt;
&lt;li&gt;Settlement date &lt;/li&gt;
&lt;li&gt;Contingencies &lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;Remember that the legalities of this phase are very important. If you have any questions or concerns, be certain to address them with your real estate agent right away.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;strong&gt;STEP 6 - NEGOTIATE TO SELL&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;Most offers to purchase your home will require some negotiating to come to a win-win agreement. You real estate agent is well versed on the intricacies of the contracts used in your area and will protect your best interest throughout the bargaining. Your agent also knows what each contract clause means, what you will net from the sale and what areas are easiest to negotiate. Your agent will review the written offer with you to make sure you thoroughly understand what the buyers are offering and what they are asking you for in return. &lt;br /&gt;&lt;br /&gt;Some negotiable items:&lt;/p&gt;
&lt;ul type="disc"&gt;
&lt;li&gt;Price &lt;/li&gt;
&lt;li&gt;Financing &lt;/li&gt;
&lt;li&gt;Closing costs &lt;/li&gt;
&lt;li&gt;Repairs &lt;/li&gt;
&lt;li&gt;Appliances and fixtures &lt;/li&gt;
&lt;li&gt;Landscaping &lt;/li&gt;
&lt;li&gt;Painting &lt;/li&gt;
&lt;li&gt;Occupancy time frame &lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;Once both parties have agreed on the terms of the sale, your agent will prepare a contract. Remember...bargaining is not a winner-take-all deal. It is a business process that involves compromise and mutual respect.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>WHAT IF  YOU COULD HAVE THE ADVANTAGE OVER OTHER REAL ESTATE COMPETITION?</title>
    <link href="http://activerain.com/blogsview/727181/WHAT-IF-YOU-COULD" rel="alternate"/>
    <id>http://activerain.com/blogsview/727181/WHAT-IF-YOU-COULD</id>
    <updated>2008-10-07T04:43:10Z</updated>
    <author>
      <name>Alonzo  Williams MORTGAGE BROKER IN CA  (Financial Destinations Inc.)</name>
    </author>
    <content type="html">
&lt;p&gt;The advantage, how to get ahead of your competition? At times like this its all about the secret to&lt;/p&gt;
&lt;p&gt;building wealth in a down economy.Some people quit on there goals and dreams and stop thinking&lt;/p&gt;
&lt;p&gt;about what life would be like if they could have the advantage over there other competition.When you&lt;/p&gt;
&lt;p&gt;become more in life and think outside the box,people say your weird and your not going to be&lt;/p&gt;
&lt;p&gt;successful, but i call it the ADVANTAGE. If you could close more clients and build a strong pipeline of&lt;/p&gt;
&lt;p&gt;buyers and empower people would you do it? Thats the ultimate Advantage over successful people and&lt;/p&gt;
&lt;p&gt;non successful people.Where are the true hearted people who actually care about there clients and not&lt;/p&gt;
&lt;p&gt;just money. Money is funny to me because people work all day long and never enjoy there money or&lt;/p&gt;
&lt;p&gt;there family and they wonder why they can never enjoy life.Chasing deals was fun and now i dont chase&lt;/p&gt;
&lt;p&gt;deals i have people coming to me. If there one thing i know i have over the entire real estate industry is&lt;/p&gt;
&lt;p&gt;the Advantage.&lt;/p&gt;
&lt;p&gt;IF YOU WANT MORE DETAILS TO WHAT IM TALKING ABOUT , FEEL FREE TO LEAVE ME A COMMENT&lt;/p&gt;
&lt;p&gt;AND DONT LEAVE ME A COMMENT IF YOUR NOT A TRUE REAL ESTATE PROFESSIONAL THAT CARES&lt;/p&gt;
&lt;p&gt;ABOUT THERE CLIENTS. THE ADVANTAGE HAS SPECIAL PEOPLE INVOLVED AND I DONT DO BUSINESS&lt;/p&gt;
&lt;p&gt;WITH PEOPLE WHO HAVE MONEY ON THERE MIND, RELATIONSHIP IS THE BEST BUSINESS YOU CAN&lt;/p&gt;
&lt;p&gt;DO AND TRUST AND RESPECT&lt;/p&gt;
&lt;p&gt;LEAVE A COMMENT ON THE ADVANTAGE , I WENT FROM NO DEALS IN REAL ESTATE TO TEN A&lt;/p&gt;
&lt;p&gt;MONTH NOT TRYING. THOSE HUSTLE DAYS ARE OVER. LEAVE ME A COMMENT FOR MORE INFO AND&lt;/p&gt;
&lt;p&gt;REMEMBER PLEASE BE A QUALITY PERSON THANK YOU&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>$69,500 Bank Owned - Golf Course LOT - Prairie Falls Golf Course - Post Falls Idaho</title>
    <link href="http://activerain.com/blogsview/727178/-69-5-Bank" rel="alternate"/>
    <id>http://activerain.com/blogsview/727178/-69-5-Bank</id>
    <updated>2008-10-07T04:31:41Z</updated>
    <author>
      <name>Pam Jank (Coldwell Banker Schneidmiller Realty)</name>
    </author>
    <content type="html">
&lt;p&gt;$69,500 Bank Owned - REO - Golf Course Lot for Sale - Post Falls Idaho&amp;nbsp;&lt;/p&gt;
&lt;table cellspacing="0" border="1" cellpadding="0" width="422" style="width: 422px; height: 122px;"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td width="613"&gt;
&lt;h2&gt;Bank Owned - REO - Golf Course Lot&lt;br /&gt;&lt;br /&gt;3864 N. Brookie Drive - Post Falls, Idaho - &lt;br /&gt;Prairie Falls Golf Course &amp;nbsp;- &amp;nbsp;11th Fairway&lt;/h2&gt;
&lt;/td&gt;
&lt;/tr&gt;
&lt;/tbody&gt;
&lt;/table&gt;
&lt;p&gt;
&lt;table cellspacing="0" border="0" cellpadding="0"&gt;
&lt;tbody&gt;
&lt;tr&gt;
&lt;td valign="top" width="420"&gt;
&lt;p&gt;&amp;nbsp;&lt;img src="http://activerain.com/image_store/uploads/8/3/8/1/3/ar122337019831838.jpg" height="270" alt="" width="399" style="float: left; margin: 9px;" /&gt;&lt;/p&gt;
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&lt;p&gt;&lt;br /&gt;&lt;strong&gt;Complete Details: &lt;/strong&gt;&lt;a href="http://www.brookie.willsellquick.com/"&gt;http://www.Brookie.WillSellQuick.com&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&lt;br /&gt;&lt;strong&gt;Bank Repossessed Golf Course Lot for Sale.&lt;/strong&gt; Located on Prairie Falls Golf Course. Trees, Mountains and Golf Course Views. Located on the 11th fairway in subdivision of new homes. Curbs, Sidewalks and all utilities are to the Lot including Natural Gas, Water, Sewer, Cable, and Internet. Priced more than $40,000+ under previous sale. 3864 N. Brookie Dr., Post Falls, Idaho - Hurry, a deal like this shouldn't last long! &lt;br /&gt;&amp;nbsp;&lt;/p&gt;
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&lt;p&gt;&amp;middot;&amp;nbsp; Golf Course Lot&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp; 11th Fairway&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp; Prairie Falls Golf&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp; Utilities to Lot&lt;/p&gt;
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&lt;p&gt;&amp;middot;&amp;nbsp; Mountain Views&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp; Trees &amp;amp; Fairway&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp; Curbs and Sidewalks&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp; New Homes&lt;/p&gt;
&lt;p&gt;&amp;middot;&amp;nbsp; Bank Owned Lot&lt;/p&gt;
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&lt;td width="420"&gt;&amp;nbsp;&lt;strong&gt;Offered at only: $69,500&lt;/strong&gt;&lt;/td&gt;
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&lt;p&gt;&amp;nbsp;&lt;img title="Prairie Falls Golf Course - 11th Fairway" src="http://activerain.com/image_store/uploads/3/6/8/6/1/ar122337111516863.jpg" height="487" alt="Prairie Falls Golf Course" width="300" style="float: left; margin: 9px;" /&gt;&lt;/p&gt;
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&lt;h3&gt;&lt;img src="http://activerain.com/image_store/uploads/2/1/5/1/4/ar1223370841512.jpg" height="200" alt="" width="300" style="float: left; margin: 9px;" /&gt;&lt;/h3&gt;
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&lt;img title="Aerial" src="http://activerain.com/image_store/uploads/9/7/2/7/5/ar122337100457279.jpg" height="200" alt="Aerial" width="300" style="float: left; margin: 9px;" /&gt;&lt;/td&gt;
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&lt;p align="center"&gt;&amp;nbsp;&lt;img src="http://activerain.com/image_store/uploads/3/8/4/1/7/ar122337064071483.gif" height="88" alt="" width="122" style="float: left; margin: 9px;" /&gt;&lt;/p&gt;
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&lt;p&gt;&lt;strong&gt;Pam Jank, &lt;/strong&gt;Realtor, GRI, CRS, ABR, RRS, PPS&lt;br /&gt;Previews Property Specialist&lt;br /&gt;&lt;strong&gt;Office:&amp;nbsp; &amp;nbsp;&lt;/strong&gt;Coeur d'Alene Idaho&lt;br /&gt;&lt;strong&gt;Mobile:&amp;nbsp; &amp;nbsp;&lt;/strong&gt;208-661-2282&lt;br /&gt;&lt;strong&gt;Toll Free:&amp;nbsp; &lt;/strong&gt;800-829-2555 ext. 1275&lt;br /&gt;&lt;strong&gt;FAX:&amp;nbsp; &lt;/strong&gt;208-446-0660&lt;br /&gt;email:&amp;nbsp; &lt;a href="mailto:pamjank@hotmail.com?subject=brookie.WillSellQuick.com"&gt;pamjank@hotmail.com&lt;/a&gt;&lt;br /&gt;website:&amp;nbsp; &lt;a href="http://brookie.willsellquick.com/mlsmax/outside.htm?website+http://www.sellingnorthidaho.com"&gt;www.sellingnorthidaho.com&lt;/a&gt;&lt;/p&gt;
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&lt;p align="center"&gt;&lt;img title="Realtor - MLS" src="http://activerain.com/image_store/uploads/8/6/5/9/4/ar122337145949568.gif" height="38" alt="Realtor - MLS" width="78" style="float: left; margin: 9px;" /&gt;&lt;/p&gt;
&lt;p align="right"&gt;Equal Housing Opportunity&lt;img title="Equal Housing" src="http://activerain.com/image_store/uploads/5/9/9/7/3/ar122337139137995.gif" height="26" alt="Equal Housing" width="39" style="float: left; margin: 9px;" /&gt;&amp;nbsp;&lt;/p&gt;
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&lt;p&gt;&amp;nbsp;&lt;/p&gt;
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&lt;p align="center"&gt;Information believed to be accurate but is not guaranteed.&lt;/p&gt;
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&lt;p&gt;Please contact me with any of your Real Estate / Relocation / Referral needs:&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;img title="Homes for Sale in Coeur d'Alene, Hayden, Post Falls, Rathdrum, ID " src="http://activerain.comhttp://activerain.com/image_store/uploads/9/9/2/8/0/ar121839797708299.jpg" height="158" alt="Coeur d'Alene, Idaho - City by the Lake" width="250" style="float: left; margin: 9px;" /&gt;Pam Jank&lt;/strong&gt;, Realtor, GRI, CRS, ABR, RRS, PPS&lt;br /&gt;Previews Property Specialist&lt;br /&gt;&lt;strong&gt;Your North Idaho Real Estate Pro&lt;/strong&gt;&lt;br /&gt;FREE MLS Listings Search at:&lt;br /&gt;Web:&amp;nbsp; &lt;a href="http://www.sellingnorthidaho.com/" title="Homes for Sale in Coeur d'Alene Idaho" target="_blank"&gt;&lt;strong&gt;Coeur d'Alene Idaho&amp;nbsp;Homes for Sale&lt;/strong&gt;&lt;/a&gt;&lt;br /&gt;email to:&lt;strong&gt;&lt;a href="mailto:pamjank@hotmail.com" title="Coeur d'Alene Idaho Realtor"&gt;pamjank@hotmail.com&lt;/a&gt;&lt;br /&gt;&lt;/strong&gt;Phone:&amp;nbsp; 208-661-2282&lt;br /&gt;Fax:&amp;nbsp; 208-772-628 Toll Free:&amp;nbsp; 800-829-2555 EXT.1275&lt;br /&gt;COLDWELL BANKER SCHNEIDMILLER REALTY&lt;br /&gt;435 W. Hanley Avenue&lt;br /&gt;Coeur d'Alene, ID&amp;nbsp; 838315&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Stock market crash of 1929 </title>
    <link href="http://activerain.com/blogsview/727177/Stock-market-crash-of" rel="alternate"/>
    <id>http://activerain.com/blogsview/727177/Stock-market-crash-of</id>
    <updated>2008-10-07T04:19:59Z</updated>
    <author>
      <name>James Pycha (R) - REMAX KAUAI</name>
    </author>
    <content type="html">
&lt;p&gt;&lt;img title="crash" src="http://media-2.web.britannica.com/eb-media/18/79518-004-1120B992.jpg" height="398" alt="crash" width="550" /&gt;&lt;/p&gt;
&lt;p&gt;One thing that people often forget is that the stock market crash of 1929 did not turn into the Great Depression overnight. The unemployment rate was still only 8.7 percent in 1930. GDP lost 6.4 percent in 1931, but the bottom fell out only in 1932, when GDP plunged by 13 percent. So it took three years for the damage to the stock market to ravage the banking sector, and eventually for the air to come out of the real economy. In the meantime, government did far too little.&lt;/p&gt;
&lt;p&gt;The basic cause of the great crash of '29 was very similar to what we are experiencing today: too much speculation with too many exotic financial creations, using too much borrowed money.&lt;/p&gt;
&lt;p&gt;Supposedly, 1929 could not happen again because of "what we learned." We learned that in a financial panic, the Federal Reserve needs to pour in heaps of "liquidity" -- money -- as the Fed failed to do after October 1929. One of the world's reigning experts on the Fed's failures of the early 1930s is one Ben Bernanke, and he certainly hasn't been stingy with the Fed's billions.&lt;/p&gt;
&lt;p&gt;&lt;img src="http://activerain.comhttp://activerain.com/image_store/uploads/5/3/0/2/4/ar122276671242035.jpg" height="64" alt="" width="191" /&gt;&lt;/p&gt;
&lt;p&gt;&lt;a href="http://www.remaxkauai.com/rek/sales/" title="Search" target="_blank"&gt;&lt;strong&gt;REMAX KAUAI Property Search&lt;/strong&gt;&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;    </content>
  </entry>
  <entry>
    <title>Superb Landlord Investor Special in New Jersey, 07108!</title>
    <link href="http://activerain.com/blogsview/727175/Superb-Landlord-Investor-Special" rel="alternate"/>
    <id>http://activerain.com/blogsview/727175/Superb-Landlord-Investor-Special</id>
    <updated>2008-10-07T03:46:09Z</updated>
    <author>
      <name>shayne adams (real estate)</name>
    </author>
    <content type="html">
All Wholesalers and Investors! You must come and see this awesome 2-Family property in Madison Ave., Newark NJ 07108. It has 4 Beds, 2.5 Baths, Finished Basement, in mint condition, 2 unit rental income, and Taxes $1,444/year for only $190,000.00 Asking Price with $270,000.00 Market Value! Great Investment isn&#8217;t it? Make it yours now!

Requirements for all Buyers:  Must provide proof of funds and $500 Deposit due upon assignment of contract
Comments:  Pictures are available for some of the properties below.  Please email for picture requests or to setup an appointment to see any properties.

For more Information please Contact:
Michael Favata
Real Estate Investor
Prime Realty Investors Inc.
Office: 646-879-3740
Fax: 203-302-7425
Email: mfavata@njprimerealty.com
Website: www.njprimerealty.com
    </content>
  </entry>
  <entry>
    <title>Se Habla Espanol....California Civil Code Section 1632 and the Loan Modification.  Can you Rescind your mortgage loan?</title>
    <link href="http://activerain.com/blogsview/727174/Se-Habla-Espanol-California" rel="alternate"/>
    <id>http://activerain.com/blogsview/727174/Se-Habla-Espanol-California</id>
    <updated>2008-10-07T03:26:08Z</updated>
    <author>
      <name>Steve Vondran (Law Offices of Steven C. Vondran)</name>
    </author>
    <content type="html">
&lt;p style="text-align: justify;"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; The following is general legal information only and not legal advice.&amp;nbsp; It is not intended to be a substitute for legal advice and may not be accurate, complete or up-to-date.&amp;nbsp; For specific questions about your situation you are advised to contact an attorney.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;The following is from the Spring 2004 &lt;em&gt;Mortgage Loan Bulletin&lt;/em&gt; from the California Department of Real Estate:&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;"&lt;strong&gt;Mortgage Loan Disclosure Statements To Be Translated"&lt;/strong&gt;&lt;/strong&gt;&lt;/p&gt;
&lt;p style="text-align: justify;"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; California Civil Code Section 1632 currently requires that any person engaged in a business who negotiates primarily in the Spanish language, either orally or in writing, deliver to the other party a Spanish language translation of the contract or agreement, &lt;em&gt;before it is executed&lt;/em&gt;. &lt;strong&gt;The translation must include every term and condition in the contract or agreement&lt;/strong&gt;. To assist DRE-licensed brokers who negotiate loans primarily in Spanish, and where the loan is primarily for personal, family or household purposes, a Spanish translation of the Mortgage Loan Disclosure Statement/Good Faith Estimate (RE883A) required by Business and Professions Code Section 10240 is available on the DRE Web site www.dre.ca.gov. Delivery of the DRE translated disclosure statement will comply with the provisions of Civil Code Section 1632. Effective July 1, 2004 (pursuant to AB309, Chapter 330), Civil Code Section 1632 will additionally require persons who negotiate primarily in Chinese, Tagalog, Vietnamese or Korean, either orally or in writing, deliver to the other party a translation of the contract or agreement in the language used for negotiations. The translation must include translation of every term and condition of the contract or agreement. In order to comply with the disclosure form provisions, DRE-licensed brokers who negotiate loans primarily in these languages must, effective July 1, 2004, provide the Mortgage Loan Disclosure Statement or Mortgage Loan Disclosure Statement/Good Faith Estimate in the appropriate language.&lt;/p&gt;
&lt;p style="text-align: justify;"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; The Department is in the process of developing these two forms translated into the above languages and expects to have them available to the industry in both hard copy and on the DRE Web site &lt;strong&gt;www.dre.ca.gov &lt;/strong&gt;on or about June 1, 2004. Affected brokers should fully review the provisions of &lt;strong&gt;Civil&lt;/strong&gt; &lt;strong&gt;Code&lt;/strong&gt; &lt;strong&gt;Section&lt;/strong&gt; &lt;strong&gt;1632&lt;/strong&gt; in order to ensure their compliance. Both versions of &lt;strong&gt;Section&lt;/strong&gt; &lt;strong&gt;1632&lt;/strong&gt;, the one now in effect, and the one effective July 1, 2004, can be viewed at &lt;strong&gt;www.dre.ca.gov&lt;/strong&gt;. Click on 2004 Real Estate Law, then Pertinent Excerpts from the California Codes, then &lt;strong&gt;Civil&lt;/strong&gt; &lt;strong&gt;Code&lt;/strong&gt; Excerpts. Questions regarding this and other mortgage loan related issues can be answered by calling (916)&amp;nbsp;227-0770.&lt;/p&gt;
&lt;p style="text-align: justify;"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; AS YOU CAN SEE THE DRE CLEARLY PUT CALIFORNIA DRE LICENSED BROKERS ON NOTICE THAT IF THEY NEGOTIATE REAL ESTATE LOANS IN SPANISH, THEN SPANISH TRANSLATION DOCUMENTS MUST BE PROVIDED TO THE BORROWER.&amp;nbsp; THE DRE EVEN WENT SO FAR AS TO PROVIDE FORMS IN THIS REGARD.&amp;nbsp; THE QUESTION IS, HOW MANY BROKERS BOTHERED TO COMPLY WITH CALIFORNIA CIVIL CODE SECTION 1632?&amp;nbsp; HOW MANY WERE IN VIOLATION?&amp;nbsp; HOW MANY SPANISH SPEAKING BORROWERS FAILED TO RECEIVE THE REQUIRED NOTICES WHICH WOULD HAVE POTENTIALLY GIVEN THEM A BETTER CHANCE TO REVIEW THE TERMS AND CONDITION OF THE LOAN BEING PROVIDED AND TO CONTACT OTHER LENDERS TO COMPARE TERMS?&amp;nbsp; BASIC FAIRNESS DICTATES THAT THESE DISCLOSURES SHOULD HAVE BEEN MADE TO SPANISH SPEKAING BORROWERS WHERE THE BROKER PRIMARILY ENGAGED IN DEALING WITH HISPANICE CUSTOMERS.&amp;nbsp; The reality is that this never happened and many of these borrowers are going into foreclosure when they have a legitimate defense and can fight back against this form of predatory lending.&lt;/p&gt;
&lt;p&gt;&lt;span style="text-decoration: underline;"&gt;Here is a look at the actual text of the law for California Civil Code Section 1632&lt;/span&gt;:&lt;/p&gt;
&lt;p style="text-align: left;"&gt;&amp;nbsp;(a) The Legislature hereby finds and declares all of the&lt;br /&gt;following:&lt;br /&gt;&amp;nbsp;&amp;nbsp; (1) This section was enacted in 1976 to increase consumer&lt;br /&gt;information and protections for the state's sizeable and growing&lt;br /&gt;Spanish-speaking population.&lt;br /&gt;&amp;nbsp;&amp;nbsp; (2) Since 1976, the state's population has become increasingly&lt;br /&gt;diverse and the number of Californians who speak languages other than&lt;br /&gt;English as their primary language at home has increased&lt;br /&gt;dramatically.&lt;br /&gt;&amp;nbsp;&amp;nbsp; (3) According to data from the United States Census of 2000, of&lt;br /&gt;the more than 12 million Californians who speak a language other than&lt;br /&gt;English in the home, approximately 4.3 million speak an Asian&lt;br /&gt;dialect or another language other than Spanish. The top five&lt;br /&gt;languages other than English most widely spoken by Californians in&lt;br /&gt;their homes are Spanish, Chinese, Tagalog, Vietnamese, and Korean.&lt;br /&gt;Together, these languages are spoken by approximately 83 percent of&lt;br /&gt;all Californians who speak a language other than English in their&lt;br /&gt;homes.&lt;br /&gt;&amp;nbsp;&amp;nbsp; (b) &lt;strong&gt;Any person engaged in a trade or business who negotiates&lt;br /&gt;primarily in Spanish, Chinese, Tagalog, Vietnamese, or Korean&lt;/strong&gt;, orally&lt;br /&gt;or in writing, in the course of entering into any of the following,&lt;br /&gt;&lt;strong&gt;shall deliver&lt;/strong&gt; to the other party to the contract or agreement and&lt;br /&gt;&lt;strong&gt;prior to the execution&lt;/strong&gt; thereof, &lt;strong&gt;a translation of the contract or&lt;br /&gt;agreement in the language in which the contract or agreement was&lt;br /&gt;negotiated, which includes a translation of every term and condition&lt;br /&gt;in that contract or agreement&lt;/strong&gt;:&lt;br /&gt;&amp;nbsp;&amp;nbsp; (1) A contract or agreement subject to the provisions of Title 2&lt;br /&gt;(commencing with Section 1801) of, and Chapter 2b (commencing with&lt;br /&gt;Section 2981) and Chapter 2d (commencing with Section 2985.7) of&lt;br /&gt;Title 14 of, Part 4 of Division 3.&lt;br /&gt;&amp;nbsp;&amp;nbsp; (2) A loan or extension of credit secured other than by real&lt;br /&gt;property, or unsecured, for use primarily for personal, family or&lt;br /&gt;household purposes.&lt;br /&gt;&amp;nbsp;&amp;nbsp; (3) A lease, sublease, rental contract or agreement, or other term&lt;br /&gt;of tenancy contract or agreement, for a period of longer than one&lt;br /&gt;month, covering a dwelling, an apartment, or mobilehome, or other&lt;br /&gt;dwelling unit normally occupied as a residence.&lt;br /&gt;&amp;nbsp;&amp;nbsp; (4) Notwithstanding paragraph (2), a loan or extension of credit&lt;br /&gt;for use primarily for personal, family or household purposes where&lt;br /&gt;the loan or extension of credit is subject to the provisions of&lt;br /&gt;Article 7 (commencing with Section 10240) of Chapter 3 of Part 1 of&lt;br /&gt;Division 4 of the Business and Professions Code, or Division 7&lt;br /&gt;(commencing with Section 18000), or Division 9 (commencing with&lt;br /&gt;Section 22000) of the Financial Code.&lt;br /&gt;&amp;nbsp;&amp;nbsp; (5) Notwithstanding paragraph (2), a reverse mortgage as described&lt;br /&gt;in Chapter 8 (commencing with Section 1923) of Title 4 of Part 4 of&lt;br /&gt;Division 3.&lt;br /&gt;&amp;nbsp;&amp;nbsp; (6) A contract or agreement, containing a statement of fees or&lt;br /&gt;charges, entered into for the purpose of obtaining legal services,&lt;br /&gt;when the person who is engaged in business is currently licensed to&lt;br /&gt;practice law pursuant to Chapter 4 (commencing with Section 6000) of&lt;br /&gt;Division 3 of the Business and Professions Code.&lt;br /&gt;&amp;nbsp;&amp;nbsp; (c) Notwithstanding subdivision (b), for a loan subject to this&lt;br /&gt;part and to Article 7 (commencing with Section 10240) of Chapter 3 of&lt;br /&gt;Part 1 of Division 4 of the Business and Professions Code, the&lt;br /&gt;delivery of a translation of the statement to the borrower required&lt;br /&gt;by Section 10240 of the Business and Professions Code in any of the&lt;br /&gt;languages specified in subdivision (b) in which the contract or&lt;br /&gt;agreement was negotiated, is in compliance with subdivision (b).&lt;br /&gt;&amp;nbsp;&amp;nbsp; (d) At the time and place where a lease, sublease, or rental&lt;br /&gt;contract or agreement described in subdivision (b) is executed,&lt;br /&gt;notice in any of the languages specified in subdivision (b) in which&lt;br /&gt;the contract or agreement was negotiated shall be provided to the&lt;br /&gt;lessee or tenant.&lt;br /&gt;&amp;nbsp;&amp;nbsp; (e) Provision by a supervised financial organization of a&lt;br /&gt;translation of the disclosures required by Regulation M or Regulation&lt;br /&gt;Z, and, if applicable, Division 7 (commencing with Section 18000) or&lt;br /&gt;Division 9 (commencing with Section 22000) of the Financial Code in&lt;br /&gt;any of the languages specified in subdivision (b) in which the&lt;br /&gt;contract or agreement was negotiated, prior to the execution of the&lt;br /&gt;contract or agreement, shall also be deemed in compliance with the&lt;br /&gt;requirements of subdivision (b) with regard to the original contract&lt;br /&gt;or agreement.&lt;br /&gt;&amp;nbsp;&amp;nbsp; (1) "Regulation M" and "Regulation Z" mean any rule, regulation,&lt;br /&gt;or interpretation promulgated by the Board of Governors of the&lt;br /&gt;Federal Reserve System and any interpretation or approval issued by&lt;br /&gt;an official or employee duly authorized by the board to issue&lt;br /&gt;interpretations or approvals dealing with, respectively, consumer&lt;br /&gt;leasing or consumer lending, pursuant to the Federal Truth in Lending&lt;br /&gt;Act, as amended (15 U.S.C. Sec. 1601 et seq.).&lt;br /&gt;&amp;nbsp;&amp;nbsp; (2) As used in this section, "supervised financial organization"&lt;br /&gt;means a bank, savings association as defined in Section 5102 of the&lt;br /&gt;Financial Code, credit union, or holding company, affiliate, or&lt;br /&gt;subsidiary thereof, or any person subject to Article 7 (commencing&lt;br /&gt;with Section 10240) of Chapter 3 of Part 1 of Division 4 of the&lt;br /&gt;Business and Professions Code, or Division 7 (commencing with Section&lt;br /&gt;18000) or Division 9 (commencing with Section 22000) of the&lt;br /&gt;Financial Code.&lt;br /&gt;&amp;nbsp;&amp;nbsp; (f) At the time and place where a contract or agreement described&lt;br /&gt;in paragraph (1) or (2) of subdivision (b) is executed, a notice in&lt;br /&gt;any of the languages specified in subdivision (b) in which the&lt;br /&gt;contract or agreement was negotiated shall be conspicuously displayed&lt;br /&gt;to the effect that the person described in subdivision (b) is&lt;br /&gt;required to provide a contract or agreement in the language in which&lt;br /&gt;the contract or agreement was negotiated, or a translation of the&lt;br /&gt;disclosures required by law in the language in which the contract or&lt;br /&gt;agreement was negotiated, as the case may be.&amp;nbsp; If a person described&lt;br /&gt;in subdivision (b) does business at more than one location or branch,&lt;br /&gt;the requirements of this section shall apply only with respect to&lt;br /&gt;the location or branch at which the language in which the contract or&lt;br /&gt;agreement was negotiated is used.&lt;br /&gt;&amp;nbsp;&amp;nbsp; (g) The term "contract" or "agreement," as used in this section,&lt;br /&gt;means the document creating the rights and obligations of the parties&lt;br /&gt;and includes any subsequent document making substantial changes in&lt;br /&gt;the rights and obligations of the parties. The term "contract" or&lt;br /&gt;"agreement" does not include any subsequent documents authorized or&lt;br /&gt;contemplated by the original document such as periodic statements,&lt;br /&gt;sales slips or invoices representing purchases made pursuant to a&lt;br /&gt;credit card agreement, a retail installment contract or account or&lt;br /&gt;other revolving sales or loan account, memoranda of purchases in an&lt;br /&gt;add-on sale, or refinancing of a purchase as provided by, or pursuant&lt;br /&gt;to, the original document.&lt;br /&gt;&amp;nbsp;&amp;nbsp; The term "contract" or "agreement" does not include a home&lt;br /&gt;improvement contract as defined in Sections 7151.2 and 7159 of the&lt;br /&gt;Business and Professions Code, nor does it include plans,&lt;br /&gt;specifications, description of work to be done and materials to be&lt;br /&gt;used, or collateral security taken or to be taken for the retail&lt;br /&gt;buyer's obligation contained in a contract for the installation of&lt;br /&gt;goods by a contractor licensed pursuant to Chapter 9 (commencing with&lt;br /&gt;Section 7000) of Division 3 of the Business and Professions Code, if&lt;br /&gt;the home improvement contract or installation contract is otherwise&lt;br /&gt;a part of a contract described in subdivision (b).&lt;br /&gt;&amp;nbsp;&amp;nbsp; Matters ordinarily incorporated by reference in contracts or&lt;br /&gt;agreements as described in paragraph (3) of subdivision (b),&lt;br /&gt;including, but not limited to, rules and regulations governing a&lt;br /&gt;tenancy and inventories of furnishings to be provided by the person&lt;br /&gt;described in subdivision (b), are not included in the term "contract"&lt;br /&gt;or "agreement."&lt;br /&gt;&amp;nbsp;&amp;nbsp; (h) This section does not apply to any person engaged in a trade&lt;br /&gt;or business who negotiates primarily in a language other than&lt;br /&gt;English, as described by subdivision (b), if the party with whom he&lt;br /&gt;or she is negotiating is a buyer of goods or services, or receives a&lt;br /&gt;loan or extension of credit, or enters an agreement obligating&lt;br /&gt;himself or herself as a tenant, lessee, or sublessee, or similarly&lt;br /&gt;obligates himself or herself by contract or lease, and the party&lt;br /&gt;negotiates the terms of the contract, lease, or other obligation&lt;br /&gt;through his or her own interpreter.&lt;br /&gt;&amp;nbsp;&amp;nbsp; As used in this subdivision, "his or her own interpreter" means a&lt;br /&gt;person, not a minor, able to speak fluently and read with full&lt;br /&gt;understanding both the English language and any of the languages&lt;br /&gt;specified in subdivision (b) in which the contract or agreement was&lt;br /&gt;negotiated, and who is not employed by, or whose service is made&lt;br /&gt;available through, the person engaged in the trade or business.&lt;br /&gt;&amp;nbsp;&amp;nbsp; (i) Notwithstanding subdivision (b), a translation may retain the&lt;br /&gt;following elements of the executed English-language contract or&lt;br /&gt;agreement without translation: names and titles of individuals and&lt;br /&gt;other persons, addresses, brand names, trade names, trademarks,&lt;br /&gt;registered service marks, full or abbreviated designations of the&lt;br /&gt;make and model of goods or services, alphanumeric codes, numerals,&lt;br /&gt;dollar amounts expressed in numerals, dates, and individual words or&lt;br /&gt;expressions having no generally accepted non-English translation. It&lt;br /&gt;is permissible, but not required, that this translation be signed.&lt;br /&gt;&amp;nbsp;&amp;nbsp; (j) The terms of the contract or agreement which is executed in&lt;br /&gt;the English language shall determine the rights and obligations of&lt;br /&gt;the parties. However, the translation of the contract or the&lt;br /&gt;disclosures required by subdivision (e) in any of the languages&lt;br /&gt;specified in subdivision (b) in which the contract or agreement was&lt;br /&gt;negotiated shall be admissible in evidence only to show that no&lt;br /&gt;contract was entered into because of a substantial difference in the&lt;br /&gt;material terms and conditions of the contract and the translation.&lt;br /&gt;&amp;nbsp;&amp;nbsp; (k) Upon a failure to comply with the provisions of this section,&lt;br /&gt;the person aggrieved may rescind the contract or agreement in the&lt;br /&gt;manner provided by this chapter. When the contract for a consumer&lt;br /&gt;credit sale or consumer lease which has been sold and assigned to a&lt;br /&gt;financial institution is rescinded pursuant to this subdivision, the&lt;br /&gt;consumer shall make restitution to and have restitution made by the&lt;br /&gt;person with whom he or she made the contract, and shall give notice&lt;br /&gt;of rescission to the assignee. Notwithstanding that the contract was&lt;br /&gt;assigned without recourse, the assignment shall be deemed rescinded&lt;br /&gt;and the assignor shall promptly repurchase the contract from the&lt;br /&gt;assignee.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;span style="text-decoration: underline;"&gt;Here is the California Department of Consumer Affairs take on 1632&lt;/span&gt;:&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p align="center"&gt;California Department of Consumer Affairs&lt;br /&gt;State and Consumer Services Agency&lt;/p&gt;
&lt;p align="center"&gt;Division of Legal Affairs&lt;br /&gt;400 R Street&lt;br /&gt;Sacramento, CA 95814-6200&lt;/p&gt;
&lt;p align="center"&gt;Legal Guide K-4&lt;/p&gt;
&lt;p align="center"&gt;SPANISH LANGUAGE TRANSLATIONS OF CONSUMER CONTRACTS&lt;/p&gt;
&lt;p align="center"&gt;January, 2002&lt;/p&gt;
&lt;p&gt;Under California law, a person in a trade or business who, in the course of entering into a contract, negotiates primarily in the Spanish language, orally or in writing, must give the consumer a written Spanish-language translation of the proposed contract. (1)&lt;/p&gt;
&lt;p&gt;The Spanish-language translation must be given to the consumer &lt;strong&gt;before&lt;/strong&gt; the consumer signs the contract. The seller or creditor must give the consumer the Spanish-language translation whether or not the consumer requests it. The Spanish-language translation must include the proposed contract terms, such as purchase price, finance charges, payment amount, etc.&lt;/p&gt;
&lt;p&gt;The purpose of the law is to insure that the Spanish-speaking person has a genuine opportunity to read the Spanish-language translation of any proposed contract that has been negotiated primarily in Spanish, and to consult with others, &lt;strong&gt;before&lt;/strong&gt; the contract is signed. It is never sufficient for the seller or creditor to give the Spanish-speaking person a Spanish-language translation &lt;strong&gt;after&lt;/strong&gt; he or she has executed (signed) the contract.&lt;/p&gt;
&lt;p&gt;If a trade or business that is required to provide a Spanish-language translation fails to do so, the consumer can rescind (cancel) the contract or agreement, in which event the law governing cancellation will apply. 2 The consumer can cancel the contract even if it has been assigned to a financial institution; but in that event, the consumer can look to the original trade or business for a return of the amounts he or she has paid. If the consumer received any goods, the goods must be returned to the original trade or business.&lt;/p&gt;
&lt;p&gt;If a consumer rescinds, the consumer need not pay the financial institution that has received an assignment of the contract. Instead, the financial institution is entitled to return the contract to the original trade or business, and to recover from the original trade or business anything it has paid to the trade or business.&lt;/p&gt;
&lt;p&gt;The rule applies to:&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;Credit sale contracts involving consumer goods and services of all kinds, including automobile purchases and leases. &lt;/li&gt;
&lt;li&gt;Virtually all loans or other extensions of credit for use primarily for personal, family or household purposes, except loans secured by real property. &lt;/li&gt;
&lt;li&gt;Loans secured by real property, if arranged by a real estate loan broker, or made by a personal finance company. &lt;/li&gt;
&lt;li&gt;Contracts for the rental, lease or sublease of apartments or other dwellings (including mobile homes) for a period longer than one month. (Month-to-month and week-to-week rental contracts are not covered.) &lt;/li&gt;
&lt;li&gt;Contracts involving the payment of fees or charges for legal services furnished by lawyers. &lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;The Spanish-language translation need not be given in the following kinds of transactions:&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;Home improvement contracts. &lt;/li&gt;
&lt;li&gt;Contracts involving a seller who is not engaged in a trade or business. &lt;/li&gt;
&lt;li&gt;Contracts in which the Spanish-speaking consumer has negotiated the contract through his or her own interpreter (with limitations, see below). &lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;However, the last exception applies only if the consumer's interpreter is able to speak fluently and read with full understanding &lt;strong&gt;both&lt;/strong&gt; the English and Spanish languages. Also, the interpreter cannot be a minor (under 18 years of age). Nor may the interpreter be employed or made available by or through the person engaged in the trade or business.&lt;/p&gt;
&lt;p&gt;At the same time and place where any &lt;strong&gt;contract&lt;/strong&gt; is entered into following negotiations primarily in Spanish, a notice of the consumer's rights must be displayed. This notice must be written in Spanish and must be conspicuously displayed. The notice must inform consumers of their rights under this law.&lt;/p&gt;
&lt;p&gt;This notice need only be displayed at those locations where the Spanish language is used. (The notice is not required to be given by providers of legal services or those who make or arrange loans secured by real property.)&lt;/p&gt;
&lt;p&gt;The business must give the consumer a Spanish-language translation of the original contract &lt;strong&gt;and&lt;/strong&gt; of any documents that modify the original contract. Also, a Spanish-language translation must be given of the original contract or any subsequent documents that substantially change the rights and obligations of the parties. A notice of repossession and deficiency under Civil Code section 2983.2 is a document that substantially affects a consumer's rights under an automobile financing contract. 3&lt;/p&gt;
&lt;p&gt;However, the law does not require a Spanish-language translation for any later documents authorized by or expected to be made under the original contract or its modifications. Examples of those documents which need not be translated include periodic statements, sales slips, invoices, add-on sales, or refinancings that are provided by or made pursuant to the original contract.&lt;/p&gt;
&lt;p&gt;If the contract involves a loan made by a "supervised financial organization" such as a bank, savings association, credit union or personal finance company, the organization need only provide a Spanish translation of the credit disclosures required by the federal Truth in Lending Act. A Spanish-language translation of the remainder of the contract need not be provided. Thus, the Spanish-language translation need only include the amount financed, the annual percentage rate, the amount and due dates of the payments and other relevant &lt;strong&gt;credit&lt;/strong&gt; information - the most relevant details that the average consumer would be likely to consider before signing a contract.&lt;/p&gt;
&lt;p&gt;The rule is different in the case of preprinted automobile lease contracts provided to dealers by prospective assignees such as banks or leasing companies. The prospective assignee must provide a Spanish-language translation of the entire lease contract to the dealer upon the dealer's request. (4) The dealer then provides this translation to the Spanish-speaking customer.&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;In interpreting a contract subject to the Spanish-translation law, the signed English contract determines the rights and duties of the parties. However, if there is a substantial difference between the English contract and the Spanish translation, the law states that this may show that no contract was ever entered into.&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;The provisions relating to verification of Spanish-language translations of contracts by the Department of Consumer Affairs were repealed in 2001. (5)&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;NOTICE&lt;/strong&gt;: We attempt to make our legal guides accurate as of the date of publication, but they are only guidelines and not definitive statements of the law. Questions about the laws application to particular cases should be directed to a specialist.&lt;/p&gt;
&lt;p&gt;Prepared by:&lt;/p&gt;
&lt;p&gt;Richard A. Elbrecht&lt;br /&gt;Supervising Attorney&lt;br /&gt;Marla L. Scharf&lt;br /&gt;Staff Counsel&lt;br /&gt;Legal Services Unit&lt;/p&gt;
&lt;p&gt;2002 update by:&lt;br /&gt;John C. Lamb&lt;br /&gt;Senior Staff Counsel&lt;br /&gt;Legal Services Unit&lt;/p&gt;
&lt;p&gt;ENDNOTES&lt;/p&gt;
&lt;p&gt;1. Civil Code section 1632.&lt;br /&gt;2. Civil Code sections 1688 et seq.&lt;br /&gt;3. &lt;strong&gt;Reyes&lt;/strong&gt; v. &lt;strong&gt;Superior Court&lt;/strong&gt; (1981) 118 Cal.App.3d 159, 162 [173 Cal.Rptr. 267].&lt;br /&gt;4. Civil Code section 2991.&lt;br /&gt;5. Statutes 2001, chapter 306 (AB 446).&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;To find out if your rights may have been&amp;nbsp;violated under California Civil Code Section 1632 contact the Law Offices of Steven C. Vondran.&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;&lt;span style="text-decoration: underline;"&gt;California Clients&lt;/span&gt;&lt;/strong&gt;:&lt;br /&gt;620 Newport Center Drive, Suite 1100&lt;br /&gt;Newport Beach, CA 92660&lt;br /&gt;Phone: (949)&amp;nbsp;689-8752&lt;br /&gt;Fax (949) 209-0358&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p style="text-align: center;"&gt;Because most of our&amp;nbsp;California loan modification and loan auditing work can be done, and is done, by phone fax and email between us and you and the lenders we are normally able to serve our California clients in and around the following California Counties and Cities&lt;/p&gt;
&lt;p style="text-align: center;"&gt;Alameda &lt;br /&gt;Albany &lt;br /&gt;Berkeley &lt;br /&gt;Dublin &lt;br /&gt;Emeryville &lt;br /&gt;Fremont &lt;br /&gt;Hayward &lt;br /&gt;Livermore &lt;br /&gt;Newark &lt;br /&gt;Oakland &lt;br /&gt;Piedmont &lt;br /&gt;Pleasanton &lt;br /&gt;San Leandro &lt;br /&gt;Union City &lt;br /&gt;Amador &lt;br /&gt;Amador City &lt;br /&gt;Ione &lt;br /&gt;Jackson &lt;br /&gt;Plymouth &lt;br /&gt;Sutter Creek &lt;br /&gt;Chico &lt;br /&gt;Gridley &lt;br /&gt;Oroville &lt;br /&gt;Paradise &lt;br /&gt;Angels Camp &lt;br /&gt;Colusa &lt;br /&gt;Colusa &lt;br /&gt;Williams &lt;br /&gt;Antioch &lt;br /&gt;Brentwood &lt;br /&gt;Clayton &lt;br /&gt;Concord &lt;br /&gt;Danville &lt;br /&gt;El Cerrito &lt;br /&gt;Hercules &lt;br /&gt;Lafayette &lt;br /&gt;Martinez &lt;br /&gt;Moraga &lt;br /&gt;Orinda &lt;br /&gt;Pinole &lt;br /&gt;Pittsburg &lt;br /&gt;Pleasant Hill &lt;br /&gt;Richmond &lt;br /&gt;San Pablo &lt;br /&gt;San Ramon &lt;br /&gt;Walnut Creek &lt;br /&gt;Crescent City &lt;br /&gt;Placerville &lt;br /&gt;South Lake Tahoe &lt;br /&gt;Clovis &lt;br /&gt;Coalinga &lt;br /&gt;Firebaugh &lt;br /&gt;Fowler &lt;br /&gt;Fresno &lt;br /&gt;Huron &lt;br /&gt;Kerman &lt;br /&gt;Kingsburg &lt;br /&gt;Mendota &lt;br /&gt;Orange Cove &lt;br /&gt;Parlier &lt;br /&gt;Reedley &lt;br /&gt;San Joaquin &lt;br /&gt;Sanger &lt;br /&gt;Selma &lt;br /&gt;Orland &lt;br /&gt;Willows &lt;br /&gt;Humboldt&lt;br /&gt;Arcata &lt;br /&gt;Blue Lake &lt;br /&gt;Eureka &lt;br /&gt;Ferndale &lt;br /&gt;Fortuna &lt;br /&gt;Rio Dell &lt;br /&gt;Trinidad &lt;br /&gt;Imperial &lt;br /&gt;Brawley &lt;br /&gt;Calexico &lt;br /&gt;Calipatria &lt;br /&gt;El Centro &lt;br /&gt;Holtville &lt;br /&gt;Westmorland &lt;br /&gt;Inyo &lt;br /&gt;Bishop &lt;br /&gt;Kern &lt;br /&gt;Arvin &lt;br /&gt;Bakersfield &lt;br /&gt;California City &lt;br /&gt;Delano &lt;br /&gt;Kern County &lt;br /&gt;Maricopa &lt;br /&gt;McFarland &lt;br /&gt;Ridgecrest &lt;br /&gt;Shafter &lt;br /&gt;Taft &lt;br /&gt;Tehachapi &lt;br /&gt;Wasco &lt;br /&gt;Avenal &lt;br /&gt;Corcoran &lt;br /&gt;Hanford &lt;br /&gt;Lemoore &lt;br /&gt;Lake &lt;br /&gt;Clearlake &lt;br /&gt;Lakeport &lt;br /&gt;Susanville &lt;br /&gt;Los Angeles &lt;br /&gt;Agoura Hills &lt;br /&gt;Alhambra &lt;br /&gt;Arcadia &lt;br /&gt;Artesia &lt;br /&gt;Azusa &lt;br /&gt;Baldwin Park &lt;br /&gt;Bell &lt;br /&gt;Bell Gardens &lt;br /&gt;Bellflower &lt;br /&gt;Beverly Hills &lt;br /&gt;Bradbury &lt;br /&gt;Burbank &lt;br /&gt;CalabasCarson &lt;br /&gt;Cerritos &lt;br /&gt;Claremont &lt;br /&gt;Commerce &lt;br /&gt;Compton &lt;br /&gt;Covina &lt;br /&gt;Cudahy &lt;br /&gt;Culver City &lt;br /&gt;Diamond Bar &lt;br /&gt;Downey &lt;br /&gt;Duarte &lt;br /&gt;El Monte &lt;br /&gt;El Segundo &lt;br /&gt;Gardena &lt;br /&gt;Glendale &lt;br /&gt;Glendora &lt;br /&gt;Hawaiian Gardens &lt;br /&gt;Hawthorne &lt;br /&gt;Hermosa Beach &lt;br /&gt;Hidden Hills &lt;br /&gt;Huntington Park &lt;br /&gt;Industry &lt;br /&gt;Inglewood &lt;br /&gt;Irwindale &lt;br /&gt;La Canada-Flintridge &lt;br /&gt;La Habra Heights &lt;br /&gt;La Mirada &lt;br /&gt;La Puente &lt;br /&gt;La Verne &lt;br /&gt;Lakewood &lt;br /&gt;Lancaster &lt;br /&gt;Lawndale &lt;br /&gt;Lomita &lt;br /&gt;Long Beach &lt;br /&gt;Lynwood &lt;br /&gt;Malibu &lt;br /&gt;Manhattan Beach &lt;br /&gt;Maywood &lt;br /&gt;Monrovia &lt;br /&gt;Montebello &lt;br /&gt;Monterey Park &lt;br /&gt;Norwalk &lt;br /&gt;Palmdale &lt;br /&gt;Palos Verdes Estates &lt;br /&gt;Paramount &lt;br /&gt;Pasadena &lt;br /&gt;Pico Rivera &lt;br /&gt;Pomona &lt;br /&gt;Rancho Palos Verdes &lt;br /&gt;Redondo Beach &lt;br /&gt;Rolling Hills &lt;br /&gt;Rolling Hills Estates &lt;br /&gt;Rosemead &lt;br /&gt;San Dimas &lt;br /&gt;San Fernando &lt;br /&gt;San Gabriel &lt;br /&gt;San Marino &lt;br /&gt;Santa Clarita &lt;br /&gt;Santa Fe Springs &lt;br /&gt;Santa Monica &lt;br /&gt;Sierra Madre &lt;br /&gt;Signal Hill &lt;br /&gt;South El Monte &lt;br /&gt;South Gate &lt;br /&gt;South Pasadena &lt;br /&gt;Temple City &lt;br /&gt;Torrance &lt;br /&gt;Vernon &lt;br /&gt;Walnut &lt;br /&gt;West Covina &lt;br /&gt;West Hollywood &lt;br /&gt;Westlake Village &lt;br /&gt;Whittier &lt;br /&gt;Chowchilla &lt;br /&gt;Madera &lt;br /&gt;Marin &lt;br /&gt;Belvedere &lt;br /&gt;Corte Madera &lt;br /&gt;Fairfax &lt;br /&gt;Larkspur &lt;br /&gt;Mill Valley &lt;br /&gt;Novato &lt;br /&gt;Ross &lt;br /&gt;San Anselmo &lt;br /&gt;San Rafael &lt;br /&gt;Sausalito &lt;br /&gt;Tiburon &lt;br /&gt;Mariposa &lt;br /&gt;Mendocino &lt;br /&gt;Fort Bragg &lt;br /&gt;Point Arena &lt;br /&gt;Ukiah &lt;br /&gt;Willits &lt;br /&gt;Merced &lt;br /&gt;Atwater &lt;br /&gt;Dos Palos &lt;br /&gt;Gustine &lt;br /&gt;Livingston &lt;br /&gt;Los Banos &lt;br /&gt;Merced &lt;br /&gt;Modoc &lt;br /&gt;Alturas &lt;br /&gt;Mono &lt;br /&gt;Mammoth Lakes &lt;br /&gt;Monterey &lt;br /&gt;Carmel &lt;br /&gt;Del Rey Oaks &lt;br /&gt;Gonzales &lt;br /&gt;Greenfield &lt;br /&gt;King City &lt;br /&gt;Marina &lt;br /&gt;Monterey &lt;br /&gt;Pacific Grove &lt;br /&gt;Salinas &lt;br /&gt;Sand City &lt;br /&gt;Seaside &lt;br /&gt;Soledad &lt;br /&gt;Napa &lt;br /&gt;American Canyon &lt;br /&gt;Calistoga &lt;br /&gt;Napa &lt;br /&gt;St. Helena &lt;br /&gt;Yountville &lt;br /&gt;Nevada &lt;br /&gt;Grass Valley &lt;br /&gt;Nevada City &lt;br /&gt;Truckee &lt;br /&gt;Orange &lt;br /&gt;Anaheim &lt;br /&gt;Brea &lt;br /&gt;Buena Park &lt;br /&gt;Costa Mesa &lt;br /&gt;Cypress &lt;br /&gt;Dana Point &lt;br /&gt;Fountain Valley &lt;br /&gt;Fullerton &lt;br /&gt;Garden Grove &lt;br /&gt;Huntington Beach &lt;br /&gt;Irvine &lt;br /&gt;La Habra &lt;br /&gt;La Palma &lt;br /&gt;Laguna Beach &lt;br /&gt;Laguna Hills &lt;br /&gt;Laguna Niguel &lt;br /&gt;Lake Forest &lt;br /&gt;Los Alamitos &lt;br /&gt;Mission Viejo &lt;br /&gt;Newport Beach &lt;br /&gt;Orange &lt;br /&gt;Placentia &lt;br /&gt;San Clemente &lt;br /&gt;San Juan Capistrano &lt;br /&gt;Santa Ana &lt;br /&gt;Seal Beach &lt;br /&gt;Stanton &lt;br /&gt;Tustin &lt;br /&gt;Villa Park &lt;br /&gt;Westminster &lt;br /&gt;Yorba Linda &lt;br /&gt;Placer &lt