Groups are smaller communities within the larger ActiveRain. Join groups created by others. or start your own and
get others to join
This is the place to view the past and present contests put on by ActiveRain and its members. Everyone can join the
group and help encourage each other. Current contest will be highlighted posts so it's easy for you all to see. Let it
Curious as to what others in your profession think about a certain product or tool?
AR's community takes the time to leave honest and transparent reviews of their experiences
so you can be a bit wiser about your purchase.
Broken down by categories and subcategories for easy finds
Get an unfiltered look at what real users are saying
Leave a review yourself for others to benefit from
Add new products as you use them and gain points for doing so
ActiveRain University (ARU) provides free on-line training. We coach, consult and support real estate professionals about real estate trends, technology and social media.
ARU Calendar provides class types and registration links
Watch short tutorials on updating your photo, inserting a hyperlink and much more
Sign up for the Daily Drop so you don't miss out on AR's daily happenings
Find answers to most FAQ's
Whatever it is you're into and wherever you are, AR surely has a group for you to join.
Brand, off the wall, specific subject matters…whatever it is you're looking for.
Each time you write a post you can syndicate your post to 5 groups.
And if by chance you don't find what you're looking for, start a new group today!
Get your content in front of more eyes
Search by location or type
Feel free to start your own group
Find some that are close to home and close to heart
Each month AR runs numerous contests as a way for our members to engage in activities
that will boost their business and increase their visibility in the community and beyond.
Earn points by partaking in these contest and climb the leaderboard
Do what's good for you and your business by participating
If you have an idea for a contest, just let us know
Stay motivated and on track with new contests popping up each month
Ask a Real Estate Question
Here's another avenue for you to build relationships with others. Share your expertise with someone searching for answers.
Play the teacher role and help someone out today
Your Homepage will alert you of new questions in your state
A wonderful way to open a door to a possible new client
Ask a question yourself to get help
These state pages or hyper-local pages provide content directly related to a specific geographical location.
State, County, City and Neighborhood pages make it easy for consumers to find what they're looking for.
Post your listings, school information, local events, market reports and more
Consumers peruse these pages for information
Farm your niche market and cover all the happenings in your neighborhood
The fixing of the Libor rate has been big news lately. But what does it mean to us? It means a lot. Lets start by stepping back and looking at the U.S. Banking system. Banks use the prime rate and the fed funds rate in order to lend to each other. The prime rate is also used to set rates that banks use commercially. Remember that in Banking the accounting system is reverse of what it is in business. So if you get money it is a credit and not a debit. The thinking being money is a liability as it is not out there working for you. So Banks want to loan out money.
Enter the "pesky" Federal Reserve Bank. The Fed says that you have to have X % of your assets in money in your bank at days end in order to be considered solvent. If you loaned too much or did not get money in you thought you would you have to go out and buy money. You buy, for the most part, at the fed funds rate from other banks. Now this rate moves every day. If you go out to early to buy others know you need money and you are going to pay more for it. If you are lending you want to trickle money out so you get the most for it.
Libor does much the same as Fed funds and prime combined but on a global scale. Libor rates are set differently than ours. The central bank of England looks at a high and low interest rate averages it out and says this is what libor is supposed to be. This method of setting rates has led to traders doing each other "favors" and fixing the libor rate.
You should care for a few reasons. If you have a mortgage and the rate is pegged to libor and the rate is fixed high then you pay !!!! If you have money in some banks and are buying bank stock and the rate is fixed low then you may believe the bank is in good shape. Remember the higher the rate the more a bank needs the money. If you are business planning an expansion and need to borrow money you may be looking at the market to determine based on the market, not what traders fixed, when is the best time to borrow. For those of you wondering the federal reserve did point of to the bank of England problems it saw in the way libor was calculated . But nothing was done.
Markets today are global and move at the speeds never seen before. We can see our governement trying to regulate them. These attempts are often ham fisted and often miss the mark. But on the other hand we do need to be protected from the non free "free" market
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.