index: How to figure out your "Indexed Rate" on your ARM Loan - 07/09/08 11:45 PM
When we first start working with a client, We tell you that our company is different from others in the mortgage industry. We will always keep you up-to-date on the major changes in the market that could affect your financial goals or the goals of those close to you. This is one
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index: Reflections on Our Profession and Technology - 07/04/08 10:57 AM
It is Independence Day, and I get to enjoy the scenery in beautiful Purgatory, Colorado. I worked like a dog on my aircard during the drive here, and the last day and a half of our stay, never failing to get in touch with important business, making sure things stayed on
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index: U.S. Economy strong with rise in retail sales - 06/14/08 06:57 PM
A new government study on the strength of the US economy is a mixed bag of news. The report was introduced recently and found that November retail sales rose 1.2%. This is obviously good news for retailers anxious about the upcoming buying season. Some other good news is despite some slow
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index: Ethical Debate - 05/05/08 09:31 AM
What kind of ethics do you practice? This one's a real poser, because many people believe they are ethical? But how are they ethical? Tne definition of ethical conduct is that you are no different when alone, than you behave in a group of friends. Machiavellian ethical conduct dictates the ends as
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index: GLOSSARY I - 05/02/08 04:21 PM
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index: Real Estate Outlook: Index Says Positive Growth Underway - 04/24/08 12:13 PM
PLAY VIDEO Real Estate Outlook: Index Says Positive Growth Underway by Kenneth R. Harney You might not hear much about them on TV or in the papers, but there are some economic signs popping up right now that are -- at the VERY least -- encouraging for housing and real estate. Take
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index: Give a Shout Out to Google! Make Sure Your Site is Indexed. - 04/19/08 08:55 PM
In my last post, I promised to follow up with a simple plan for launching an SEO effort on your site. As a quick refresher, these three components are the basis of any SEO plan. If you are looking for a place to start, your best bet is to follow this
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index: Glossary of Mortgage Products Part 2: Adjustable Rate Mortgages - 03/08/08 03:16 PM
Adjustable Rate Mortgage (ARM): An ARM is a mortgage with an interest rate that may vary over the term of the loan -- usually in response to changes in the prime rate or Treasury Bill rate. The purpose of the interest rate adjustment is primarily to bring the interest rate on
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index: Commercial Real Estate Related Articles By Sub-Category - 02/09/08 08:49 PM
The purpose of this entry is to attempt to group and sub-categorize my commercial real estate articles by sub-category.These articles include information of interest to to those involved with commercial real estate, including business, investment, property management... Commercial - GeneralConstructionDisaster ResourcesEmergenciesEnergy ConvservationEnergy EfficiencyEnergy SavingsFederal Reserve System (Beige Book)Government DataGreenInternationalInvestingLegislationProperty ManagementTax Deferred ExchangesTaxes[Return to Main Category Index]For real
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index: Miscellaneous Articles By Sub-Category - 02/09/08 08:07 PM
The purpose of this entry is to attempt to group and sub-categorize my miscellaneou articles that may not be a category by themselves (have no sub-category articles) but are at least several in number.These articles include information about health, arts, events, sightseeing, travel, demographics, food, fun, celebrations, recreation, military and more... ActivitiesArtsAttractionsBreakTimeCelebrationsEast
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index: Senior Related Articles By Sub-Category - 02/09/08 07:41 PM
The purpose of this entry is to attempt to group and sub-categorize my Seniors (over 55) related articles by main topic.These articles include information about homeownership, maintenance and remodeling, reverse mortgages, healthcare, eldercare... Seniors - GeneralEldercare / CaregiversHealthcareHome ImprovementMaintenanceMortgagesRemodelingRetirementReverse MortgagesSeniors Advantage CenterTax Deferred Exchanges[Return to Main Category Index]For real estate resources, help and support
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index: Music Articles By Sub-Category - 02/09/08 07:25 PM
The purpose of this entry is to attempt to group and sub-categorize my music related articles by main topic.Music related articles include information about musc genres, festivals, concerts and more...Music - GeneralBig BandBluegrassBluesCelticClassicalCountryCowboys / CowgirlsDixielandFolkHymnsJazzInstrumentsMusic TheoryRadioWorld Music[Return to Main Category Index]For real estate resources, help and support services in acquiring or selling properties in New
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index: Residential Home Articles By Sub-Category - 02/09/08 06:36 PM
The purpose of this entry is to attempt to group and sub-categorize my Home / Residential related articles by main topic.These articles include information about residential related topics including to home buying, selling, building, renting, homeownership, maintenance and remodeling, investing, plus energy, disaster and emergency related articles...BuildingBuying / BuyersCalculatorsConstructionCost vs. ValueDisaster ResourcesEmergenciesEnergy ConvservationEnergy EfficiencyFeng ShuiFirst
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index: Technology Articles By Sub-Category - 02/09/08 01:44 PM
The purpose of this entry is to attempt to group and sub-categorize my Technology related articles by main topic.These articles include information about technology related topics including, computers, the Internet, automotive, Microsoft Windows, security, statistics, mobile devices, Palm handhelds and software resources...Technology - GeneralAutomotive /AutoDatabaseHDTVHoaxes DebunkedMicrosoftMicrosoft WindowsMotorcyclesNetwork RoutersPhishingPalmPocket PCRadioStatisticsTelevisionWindows MobileWindows VistaWindows XP[Return
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index: Delaware Valley Articles By Sub-Category - 02/09/08 12:16 AM
The purpose of this entry is to attempt to group and sub-categorize my Delaware Valley (DV) related articles by main topic.Delaware Valley articles include information about the Delaware Valley / Philadelphia Metro region, including it's communities, culture, food, arts, sports, entertainment, theater, education, history and other recommended areas of interest...
Delaware Valley - GeneralNew
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index: New Jersey Articles By Sub-Category - 02/08/08 11:01 PM
The purpose of this entry is to attempt to group and sub-categorize my New Jersey (NJ) related articles by main topic.New Jersey articles include information about the communities, municipalities, counties and state governments, transportation, travel, recommended sights and sounds... New Jersey - General (NJ)Atlantic CityAtlantic CountyBurlington CountyCamden CountyCowboys / CowgirlsCumberland CountyEventsFort DixGloucester CountyJersey ShoreMarlton (Eveshame Township)McGuire Air
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index: Business Articles By Sub-Category - 02/08/08 10:20 PM
The purpose of this entry is to attempt to group and sub-categorize my business related articles by main topics.Business articles include information about starting a business, growing a business, outside effects on your business, how to avoid preventable problems and guidelines for planning for disaster and how to recover if a disaster
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index: Battle of the Warring Housing Price Indexes - 01/30/08 01:44 PM
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index: Inside lending info from Mike and Betsy Moshofskey of CTX Mortgage Co. - 01/07/08 10:38 AM
I obtained this information from Mike and Betsy Moshofskey from CTX Mortgage. It provides an overview of the current financial markets and provides insight into what we can expect for future lending and market conditions for our clients. Inside Lending
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index: My Second Annual Blog Index 2007 - 12/31/07 02:23 PM
I've posted 95 blogs here on Active Raine in 2007, most of them on Professionalism, many on the mortgage Crisis, much on pure Real Estate concepts, some Frivolous, and a few very Personal. Today's message is a simple one: Happy New Year! May personal and professional success fill your new year. All my
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index: Understanding Adjustable Rate Mortgages - 11/27/07 05:24 AM
Adjustable rate mortgages have their place in the world of mortgage lending, primarily for the bigger risk takers and more specifically, the short term investor looking for quick cash flow.Why the investor? Adjustable rate mortgages or variable rate mortgages or whatever you want to call them, are typically great short term
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index: Youtube Real Estate Virtual Tours: The proof of the pudding is in the eating - 11/07/07 12:34 AM
When I created a youtube real estate virtual tour I had one objective and that’s to show that I can get my video in the top ten search results for the keyword I chose. That’s not all. I also wanted to show that the video it self is important but using
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index: Youtube Real Estate Virtual Tours - 11/05/07 12:02 PM
Creating Youtube real estate virtual tours is pretty simple but that’s where it stops. Most youtube virtual tour videos are not as effective as they can be. This is because real estate agents and their advisors are not familiar with online marketing techniques. Most of them are not familiar with Google’s
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index: Have you Googled yourself lately? - 11/03/07 09:11 PM
You know that old saying, "All roads lead to Rome"? Well, in the modern age of technology, all Internet roads should lead to HOME. Your home pages, that is.
If you haven't been paying attention to the Internet lately, you might want to take a look. Google yourself. Google our
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index: Understanding Adjustable Rate Mortgage (ARM) Loans - 09/05/07 11:46 PM
Adjustable rate mortgages or ARMs are chosen by about one third of all loan applicants. Unfortunately, many people do not understand the key components of an ARM or how they are calculated. It is critical to understand the four key components of adjustable rate mortgages when comparing loan offers from various
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index: Stocks Struggle on new reports - 08/28/07 10:57 AM
Dow hit hard by a 150 Point decline (1.13%) the nasdaq which is tech heavy is down almso 37 points or 1.43%. the S and P 500 isnt fairing in to well either with a 20 point decrease (1.35%) oil is on the fall after a small increase in the day.
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index: How long will the sub-prime storm actually last????? - 08/15/07 10:43 AM
The last few weeks have been interesting to say the least. Normally I've never been an active market watcher, but due to recent problems with the mortgage industry I've been glued to my TV in the mornings. One interesting factoid this morning was a chart showing the "RESETS" for future sub-prime
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index: The Makeup of An Adjustable Rate Mortgage - 08/09/07 10:04 AM
So how exactly do adjustable rate mortgages work and what should I pay attention to when considering obtaining an ARM loan These are just a couple of the most common and most important questions that one needs to understand before jumping into an adjustable rate mortgage. I know that super low
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index: Negative Amortization, what is it and how does it affect me? - 07/10/07 02:42 PM
In recent years there has been a lot of controversy surrounding the Option Arm loan (aka Negative Amortization or "Neg. Am." loan). Some of the stories we've heard would almost have you believe that the loan was a living and breathing thing that devours homes and people alike. Like all loans,
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index: COSI, CODI, LIBOR, ...What Does It All Mean? - 04/15/07 07:59 PM
Did you know that not all Adjustable Rate Mortgages ARMS are alike? ARMS have evolved. Imagine, there once was a time when Hybrid ARMS did not exist. Hybrid ARMS are ARMs that are fixed for a certain period of time before adjusting. As a matter of fact, HUD has a mandatory
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index: Pending Home Sales Index - 02/08/07 09:47 AM
The pending home sales index measures signed sales contracts. A separate report on existing home sales measures sales when they close, typically a month or two after the contract is signed. Existing home sales were down 10.8% year-on-year in December.Pending home sales increased in all four regions. Pending sales rose 8.1%
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index: "Book Thoughts"-->Let's Stay On Top Of The Latest (And The Past) - 01/30/07 12:37 PM
This morning on Inman was a book review Robert Bruss about a new book called "Untapped Riches" by Susan and Anthony Cutaia, which promotes the use of interest only and negative amortization loans (along with some savings strategies) to pave the road to riches. No matter how you feel about such "exotic loans," it
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index: Rich's Recommended Reading (Blog Index) - 12/27/06 11:58 AM
Thank you for stopping by to read this web log. The purpose of this blog is to provide you with links to valuable information that you may not have been aware was available at your fingertips. Whether you are a client of mine, or of another REALTOR, I hope you find answers to
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index: LIBOR Explained? - 12/07/06 10:05 AM
Ever wondered what LIBOR stands for? Or, what the index is really made up of? Many of my clients have home loans tied to the LIBOR, read an explanation of what exactly LIBOR is, offered by Dr. Don of bankrate.com 5/1 LIBOR ARM. An interesting read if you're into things like...details:) Want
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index: ARMs - Just in case you wanted to know - 11/18/06 12:29 AM
Adjustable Rate Mortgages (ARMs) have been pretty popular lately in the media, but not necessarily in a good way. This post is not going to address the media or repuation that surrounds these mortgage products. Instead, it is going to inform you, the consumer, of what an ARM is and why
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index: Google Index - 09/13/06 06:34 PM
Well I read in a blog about how far up people are showing on Google searches. Since I have joined AR I have not spent one dime on internet advertising. (Ok I did spend $1.99 with Yahoo for 1 domain name and $21.00 with GoDaddy for 3 domain names...that's $22.99 total)
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index: Affordability Factor - 09/03/06 11:09 AM
Do you know what the affordability index is in your area? The figure represents what percentage of a given population can afford to purchase a home. The affordability factor is definatly a major factor in how many homes are being listed and sold on the market today! I get phone calls almost daily from homeowners that can no
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