Fixed interest rates are a good option in volatile condtions, as they maintain the same level of charge in principal.
Floating rates fluctuate with volatality of markets, change in Bank Rates, Repo Rates and CRR-SLR Fluctuations.

The real estate market in Bend Oregon continues to slump. It is now a buyer’s market.
Prices are coming down and will continue to fall through the winter as the inventory continues to build. It is taking longer for homes to sell and there are more homes for buyers to choose from.

The real estate markets in California, Arizona, Florida and other key states are leading indicators on how the market in Bend will do. In1989 real estate values in Bend jumped 35%.

Out of state buyers from California, Florida, Arizona, Washington State and other hot markets were selling their homes for large profits in 1989 and moving to Bend to buy larger homes. 1990 and 1991 saw the out of state markets dry up with prices falling. The Bend market followed these markets before it picked up again.

Today’s market looks very similar to the 1989-1991 market. 102 single-family homes on less than one acre in Bend closed in October 2006 according to the Multiple Listing Service of Central Oregon. That is a decrease of 59 percent from the active market in October 2005.

The median sales price was down slightly but that does not include homes that have been on the market for almost a year and haven’t sold. There are homes that have been listed with one Realtor for six months and then listed with another. Many of these homes still have not sold.

One newer home that was listed in December 2005 at $399,500 is still on the market. The seller refused an offer of $379,500 the first month it was listed. That home is now listed with another Realtor at $329,500 and that is just the asking price. The owner would now entertain any offer.

This winter is the time to buy real estate in Bend. There are homes on the market now that have been substantially reduced with seller’s willing to take any reasonable offer. Some homes are vacant and can be bought with a lease-purchase. We look for the market and prices to pick back up next spring.

A report recently released by the Federal Deposit Insurance Corp., or FDIC reported that Bend is the 35th fastest growing job market in the country for the second quarter of 2006, wit a job growth rate of 4 percent during that period. The FDIC reported sales activity in Oregon fell 12 percent in the same quarter. This indicates demand for homes in will continue.

Some builders are starting to offer more incentives if you buy one of their homes. Upgrades in appliances, floor coverings, wood work, landscaping and other aspects of construction are now free. Some builders are also willing to pay points in order to help buyers qualify for lower payments on their loans.

The National Association of Realtor’s chief economist, David Lereah, predicted that sales through the rest of 2006 will be lower than earlier predicted. “This year, sales are slowing, homes are plentiful and sellers are negotiating,” Lereah said. “Under these conditions, we will probably see prices dip temporarily below year-ago levels as the market works through a buildup in housing inventory.”

There are still many home for sale in Bend that are over priced for today’s’ market. But there are also a good variety of homes that are for sale that are very good buys. Sellers that have to sell are forced to lower their prices and offer to pay closing costs, include appliances in the sale and replace carpets prior to close and many other “freebees” in order to sell their homes.

New home developers and builders were able to sell homes in the past few years before they broke ground. They had buyers waiting in the wings to purchase these homes as soon as the lots were developed and the builder priced the homes. The buyers chose their finish materials and waited for construction to be finished.

Today large builders particularly cannot afford to sit on their vacant homes during the winter and pay interest, taxes, insurance and utilities. These builders are offering “free” perks to sell their new homes today. Prices are being lowered substantially.

Interest rates are still low, the economy is good and gas prices are stable or falling, all good signs that the real estate market in Bend will be picking up next spring. If you have ever thought about buying real estate in Bend Oregon now may be the best opportunity you will have in a long time.

Prices are falling. Interest rates are low and there are some good buys in today’s market. Look for prices to start going up this spring.

I for one would love to see your floors on completion.Depending on designs it can be a spendy project.

My Best

I for one would love to see your floors on completion.Depending on designs it can be a spendy project.

My Best

The first interruption came from Abu Izadeen, who shouted that Muslims were being subjected to “state terrorism by the British police”.

His intervention came as Mr Reid asked Muslim parents to keep a close watch on their children to prevent them from being radicalised by Islamist extremists.

Mr Izadeen, who accused the home secretary of being an “enemy” of Islam, is said to be a former member of the banned Islamist group al-Ghurabaa, a successor organization to Omar Bakri Mohammed’s al-Muhajiroun group. He denies membership of the group. He was led from the building by police and stewards.

Duration : 0:4:32

Technorati Tags: britain, islam, islamism

independent negative campaign ad :
American Issues Project [ AUGUST 2008 ] http://americanissuesproject.org

http://wikipedia.org/wiki/William_Ayers

Know Enough?

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ENGLEWOOD, Colorado (AP) - Republican vice presidential candidate Sarah Palin on Saturday accused Democrat Barack Obama of “palling around with terrorists” because of his ociation with a former 1960s radical, stepping up the campaign’s effort to portray Obama as unacceptable to American voters.

Palin’s reference was to Bill Ayers, one of the founders of the group the Weather Underground. Its members took credit for bombings, including nonfatal explosions at the Pentagon and U.S. Capitol, during the tumultuous Vietnam War era four decades ago. Obama, who was a child when the group was active, served on a charity board with Ayers several years ago and has denounced his radical views and activities.

The Republican campaign, falling behind Obama in polls, plans to make attacks on Obama’s character a centerpiece of presidential candidate John McCain’s message with a month remaining before Election Day.

Palin told a group of donors at a private airport, “Our opponent … is someone who sees America, it seems, as being so imperfect, imperfect enough, that he’s palling around with terrorists who would target their own country.” She also said, “This is not a man who sees America as you see America and as I see America.”

Palin, Alaska’s governor, said that donors on a greeting line had encouraged her and McCain to get tougher on Obama. She said an aide then advised her, “Sarah, the gloves are off, the heels are on, go get to them.”

The escalated effort to attack Obama’s character dovetails with TV ads by outside groups questioning Obama’s ties to Ayers, convicted former Obama fundraiser Antoin “Tony” Rezko and Obama’s former pastor, the Rev. Jeremiah Wright.

Ayers is a professor at the University of Illinois at Chicago. He and Obama live in Chicago’s Hyde Park neighborhood and served together on the board of the Woods Fund, a Chicago-based charity that develops community groups to help the poor. Obama left the board in December 2002.

Obama was the first chairman of the Chicago Annenberg Challenge, a school-reform group of which Ayers was a founder. Ayers also held a meet-the-candidate event at his home for Obama when Obama first ran for office in the mid-1990s.

Palin cited a New York Times story published Saturday that detailed Obama’s relationship with Ayers. In an interview with CBS News earlier in the week, Palin didn’t name any newspapers or magazines that had shaped her view of the world.

Summing up its findings, the Times wrote: “A review of records of the schools project and interviews with a dozen people who know both men, suggest that Mr. Obama, 47, has played down his contacts with Mr. Ayers, 63. But the two men do not appear to have been close. Nor has Mr. Obama ever expressed sympathy for the radical views and actions of Mr. Ayers, whom he has called ’somebody who engaged in detestable acts 40 years ago, when I was 8.’”

[ OCTOBER 4, 2008 ]

Duration : 0:1:1

Technorati Tags: 9/11, abc, ad, advertisement, american, ayers, Barack, Bernadette, Biden, bill, Bomb, Bombed, Bombing, bombs, Building, campaign, Capitol, Charles, charlie, chicago, college, dc, democrat, democratic, Dohrn, enough, Family, friend, friends, gibson, Group, hannity, husband, internet, interview, issues, Joe, John, joseph, know, lipstick, McCain, michelle, news, Obama, Palin, pig, political, professor, Project, Sarah, sean, sex, television, terrorism, Terrorist, terrorists, TV, underground, us, washington, weather, weatherman, weathermen, wife, william

USA LAND INVEST.COM, INC. You are BIDDING ON THE DOWNPAYMENT, then assuming the balance paid monthly as listed under terms below: assume a loan of $69,955 paid monthly at $698, at 9.5%, plus a $100 buyer’s premium, and $150 for processing. We are an incorporated real estate investment company,

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USA LAND INVEST.COM, INC. You are BIDDING ON DOWNPAYMENT then assuming a loan of $49,911 paid $498 per month at 9.5%. Initial payment is winning bid downpayment, a $100 buyer’s premium, and $200 towards eventual deed processing. This is deeded fee simple land ownership, just like in the USA. No

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