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Forex Wealth. Bill Poulos Forex Income Engine 2.0

Collapsing Economy Creates Forex Wealth (video training) Forex Risk Shield Video. New Forex Income Engine 2.0

Last Fall, during a late-night Forex trading research session, one of the industry's most respected trading educators made a discovery around day trading Forex that he shared with a limited group of traders. Watch this free, amazing new way to successful trade Forex video by clicking here

Now, 6 months later... the same trading educator recently re-emerged from a marathon follow-up research session where he analyzed the killer results his initial group of traders got...and discovered 3 different ways to make them even BETTER.

From what I've seen, NO ONE is trading Forex like this (yet)...not to mention this completely turns traditional "day trading"on its ear...

He recorded a new training video this past weekend that "pulls back the covers" on this updated discovery & reveals how you can shield your portfolio from risk every single time you trade forex...especially if you're inexperienced & have little time.

Watch this free, amazing new way to successful trade Forex video by clicking here

During his research, he confirmed what I (and others) suspected for a long time:

* The collapsing global stock markets and economies are creating pressures that, in turn, are creating more profit potential than we've ever seen before in the Forex markets.

That may come as a big surprise, especially if you're new to trading... but he explains in his training video why this is happening, and how you can get in on it.

You'll also discover:

* How you can literally TRIPLE your profit potential when you use a little-known trick that has to do with the predominant trend...

* 2 "retracement tricks" most traders flat-out MISS, which, if you know how to spot them, can turn an otherwise losing trade into a profit powerhouse...

* The huge "edge" you get over other traders when you automatically identify the predominant trend at any point in time... and then "throw yourself in front of it"...

* The #1 key to trading Forex you MUST do EVERY SINGLE TIME before you place a trade before even thinking about profit. When you do this, you automatically "up the odds" that a profit will unfold...

* ...and a TON more.

If you're interested in Forex, or have been a little "spooked"
by what's been going on in the markets, then this may be the most important trading video you'll ever see this year.

Why? Because after you watch it, you'll be SCRAMBLING to start trading Forex this way...

It finally brings flexibility and customization to Forex day trading so that ANYONE can have an "edge", whether you only have 20 minutes to trade, or if you have all day. Your choice.

It's awesome (and surprisingly simple)...Watch this free, amazing new way to successful trade Forex video by clicking here

Homes Sales Rise 4.7%

New-Home Sales Rise 4.7%

Source: Wall Street Journal

Sales of new homes rose in February for the first time in seven months, the Commerce Department reported Wednesday, another sign that the housing market is thawing.

The increase was fueled by higher activity in the South and West, where deals on foreclosures and other "distressed" properties, particularly in California, are helping to drive interest.

Sales of new and existing homes are picking up month over month, and prices may soon follow. But the crosscurrent is whether unemployment will continue to rise, says USC real-estate economist Delores Conway. Stacey Delo reports.

The data "have allayed some fears that the housing market would continue to freefall," said Omair Sharif, an economist with RBS Greenwich Capital, "but it's way too early to say if we've hit bottom."

Wednesday marked the third consecutive day of positive news in the housing market, a contrast to the drumbeat of bad news in recent months. On Tuesday, a government gauge of home prices posted its first gain in almost a year, while Monday brought news that sales of previously owned homes, the biggest share of the market, also increased last month.

Also Wednesday, the California Association of Realtors said existing-home sales in the state were up 83% in February from the previous year, as the median home price was down some 40%, helping to shrink inventories to about a six months' supply from 15 months last year.
Bette Zerba, a real-estate agent in Phoenix, said a high level of foreclosures is prompting similar activity in her area.

"I thought the market looked spectacular right now and wanted to take advantage of it," said one of Ms. Zerba's clients, Rosanna Fischer, 40 years old, a first-time home buyer. She offered $175,000 on a 2,000-square foot bank-owned home with a pool in Glendale, Ariz., last week.

Shares of retail companies rose on Wednesday after government data showed durable goods orders and home sales rose more than expected. Home Depot was a leading gainer.

Sales of new homes nationwide rose 4.7% last month to a 337,000 annual rate, though they still are down sharply compared with this time last year, and increased competition from cheaper existing homes could hamper their sales ability in the coming months. The median sales price for a new home was $200,900 last month, down from $251,000 in February 2008, but still high compared with the median sales price of an existing home last month of $165,400.

Falling prices and low mortgage rates are helping to stir buying activity, along with the government's $8,000 tax credit, part of the stimulus bill, for buyers who purchase a home before Dec. 1. The number of new homes for sale -- some 330,000 units -- is the lowest in almost seven years, a sign builders are beginning to work through bloated inventories after cutting back on new construction.

Separately, data Wednesday showed that orders for manufactured goods rose last month for the first time since July, another signal that the U.S. recession isn't deepening. The Commerce Department said orders for manufactured durable goods -- items such as autos, furniture and appliances designed to last three years or more -- rose a seasonally adjusted 3.4% last month to $165.6 billion, the first monthly gain since July.

Last month's rise in orders, however, only partially reverses January's revised 7.3% drop, which is sharply lower than first estimated, and orders are still down nearly a quarter from the previous year. A key gauge of business spending -- orders for capital goods excluding defense and aircraft -- also rose after posting a revised 11.3% plunge in January.

Meanwhile, inventory levels of durable goods declined last month, a sign that the jump in orders is helping to pare bloated inventories, paving the way for a future production increase. But households are likely to remain under pressure for some time: Economists still expect the unemployment rate, now 8.1%, to flirt with double digits later this year or next.
—Jim Carlton contributed to this article.
Source: http://online.wsj.com/article/SB123798406285137541.html

Write to Kelly Evans at kelly.evans@wsj.com

The Healthiest Housing Markets for 2009

The Healthiest Housing Markets for 2009
Builder, in conjunction with Hanley Wood Market Intelligence, debuts its metric for determining markets with the best and least potential.
By: Boyce Thompson

With most economists and builders expecting a national market decline this year, this may not seem like the best time to be selecting the "healthiest" markets in the country. Virtually every market was down last year. But a close look at the numbers reveals that some markets have way outperformed others during the last four years and are likely to continue to do so this year.

When the housing market stages its official recovery, the markets listed on the following pages are likely to lead the parade. It may take a year or more for the weakest markets--where burgeoning foreclosure sales are still pounding new home values, making building and selling new homes an exercise in futility-- to finally stage a turnaround. We’ll present that list next week.

The healthiest markets have many things in common. Most of them are great places to live, either close to the ocean, mountains, or major universities. Most of them didn’t have a huge run-up in prices during the boom and aren’t experiencing rampant deflation during the bust.

To compile these lists, we analyzed the top 75 housing markets in the country. We ranked them based on population trends and job growth, perennial drivers of housing demand. We also examined what’s happened with home prices; many of the healthiest markets have managed to hold the line on home values. And finally, we considered the rate building permits, which may be the single best ongoing indicator of builder confidence in a market. We combined all these metrics to produce a score for each market. Here are the top 15, in reverse order.

15. Myrtle Beach, S.C.
2008 total building permits: 3,211

Though permit activity dropped sharply last year, Myrtle Beach remains one of the hottest markets in the country, especially when you analyze the number of permits pulled per resident. Only 263,287 people live in the Myrtle Beach metro area, which until recently had been growing its population by nearly 5 percent a year. That means builders pulled one permit for every 82 residents. A steady influx of people, many of them retirees, are drawn by close proximity to the ocean and 117 golf courses at last count. That has helped keep home prices steady; they fell only 10 percent last year to a very affordable $174,800. Most of the home building is split between Brunswick and New Hanover counties. Jobs are dependent on the tourist industry, though, and the metro area was rocked last year when a $400 million rock-and-roll themed amusement part, Hard Rock Park, opened and then filed for bankruptcy. Myrtle Beach added jobs last year, but as of December employment was decreasing at a 4.2 percent rate compared to a year earlier.

14. Wilmington, N.C.
2008 total building permits: 3,551

Wilmington has the second highest ratio of permits pulled per resident, behind only Myrtle Beach. The population here, 352,919 by Census estimates, has been growing at a 4 percent annual rate for the last five years, well above the national average. Primary residents are drawn by a four-season climate, close proximity to Atlantic beaches, and affordable housing. Median home prices, at $198,700, are just about the national average. The area gave back 1,000 jobs last year, after gaining 19,000 the previous three years. Wilmington has had a 60 percent decline in permit activity since 2005, around the national average, but its track record for population growth helps it make this list.

13. Charlotte, N.C.
2008 total building permits: 12,231

People and businesses must love Charlotte, because they are moving there at a high rate. The metro area of 1.74 million has grown its residents by 4 percent annually over the last five years, one of the highest rates in the country. They are drawn by relatively affordable housing for the east coast—median home prices are only $210,900, and they’ve only "corrected" downward by only 4.2 percent in the last year. A strong fourth quarter helped Charlotte record 12,231 permits last year, only a 44 percent decline since 2005. Charlotte’s strength relative to other markets led the investment banking firm UBS to predict last year that it would be one of the first markets to recover from the housing downturn. Charlotte is still a single-family market, with 62 percent of the residential activity in stand-alone homes. The job market in this banking hub contracted last year, after growing 3 to 5 percent annually the previous three years.

12. Denver, Col. 2008 total building permits: 8,800

Denver has been all over the home building news of late, with Beazer and Centex leaving town, then Village Homes of Colorado declaring bankruptcy. But the market hasn’t been hit as hard by the home building recession as other Western markets, in part because it didn’t experience rampant price appreciation during the boom. That’s partly because there’s lots of land available to develop in Denver. The median price of an existing home here was still an affordable $225,100 in the third quarter of last year, down only 11.4 percent in the last year (through 3Q 08). Denver enjoys one of the highest population growth rates in the country--2 percent annually for each of the last five years. Builders pulled 8,800 permits in Denver last year, down from 20,864 in 2005, a percentage decline that’s close to the national average. Denver is buoyed by a strong commercial real estate market.

11. Nashville, Tenn. 2008 total building permits: 8,142

Nashville, the 20th largest home building market, operated under the radar of the national housing boom. It didn’t ramp up wildly during the boom years, and it’s not contracting viciously during the bust. Median home prices remain an affordable $152,100, propped up by a growing job base. Eighty percent of the residential construction is single-family. Some of the market’s resilience stems from above-average population growth of about 2.3 percent a year. Back in the day, 2005, Nashville accounted for 16,654 permits; it now runs at about half that level. But that’s a better performance than most major markets.

10. Washington DC 2008 total building permits: 11,693

Washington D.C. showed signs last summer that it might be emerging from the downturn, then it turned south again. Even so, the area produces a ton of jobs—an estimated 35,000 in the last year—that fuel a vibrant housing market, the 11th largest in the country. Many of the jobs stem from contracts with the federal government. Washington D.C. remains a relatively unaffordable place to live, with a median home price of $332,700 in the third quarter of last year. But values have fallen only 24 percent in the last year in part because the population continues to grow—an average of 1 percent annually over the last five years. Home building patterns have changed dramatically in the nation’s capital with builders mothballing subdivisions well beyond the beltway and focusing on infill opportunities. The region remains one of the worst in the nation for commuters.

9. Fayetteville, Ark. 2008 total building permits: 2,989

Fayetteville has made some important lists in recent years. Located in the foothills of the Ozarks and within an easy drive of Wal-Mart’s corporate headquarters, it has recently been named one of the best places to live (by Kiplinger) and to do business (by Inc.). Employment, which had been strongly positive since 2005, dropped somewhat in the fourth quarter of last year. Recent layoffs at Wal-Mart’s corporate office sent tremors through the market. But several Fortune 500 companies that sell products to Wal-Mart have established offices here, and they have helped Fayetteville achieve one of the lowest unemployment rates in the country, 4.1 percent in the fourth quarter. The University of Arkansas is also located in Fayetteville, and it has helped attract start-up businesses. Residents are drawn by an affordable housing stock; median prices average only $139,400, below the national average, and they’ve lost only 2.4 percent of their value in the last year. Builders pulled only 2,989 residential permits last year, down from 7, 449 in 2005.

8. Indianapolis, Ind. 2008 total building permits: 7,004

Builders are still pulling permits at a relatively healthy rate in Indianapolis, despite a virtually flat job market. Unlike other major markets that have become multifamily-oriented, single family still accounts for two-thirds of home building activity. Ultra-affordable housing accounts for some of the activity—the median price of a home here is only $117,900, making it one of the most affordable markets in the country. As a result, home prices have declined only 4.5 percent in the last year. At the top of the market in 2005, builders in Indianapolis took down 15,619 permits, so activity is down 55 percent, slightly better than the national average. Unfortunately, the relative health of the market wasn’t enough to keep Davis Homes, one of the area’s largest private builders, from going out of business last year.

7. Seattle, Wash. 2008 total building permits: 13,021

Seattle, a city of 3.4 million people, last year weighed in as the eighth largest home building market. Residential construction activity here, as measured by permits, is off only 50 percent since 2005, much better than most markets. Seattle has steadily transitioned during the last 10 years from an affordable to an upscale housing market, with the median price of an existing home reaching above $350,000. Even so, existing home prices fell only 11 percent in the last year. One of the secrets to Seattle’s success is that it has added lots of jobs in recent years; and held on to them last year. Some builders there have even stepped up their land buying in anticipation of a market recovery. As the city has become more urban, the share of single family to multifamily permits has reversed; multifamily now accounts for 58 percent of activity.

6. Raleigh, N.C. 2008 total building permits: 11,386

Another state capital with multiple universities, Raleigh was still adding jobs at a 1.9 percent annual rate though the third quarter of last year. With a population of more than 1 million, it also has one of the highest rates of population growth of any top metro market in the country over the last five years: nearly 5 percent annually. Though the price of a median home here, $221,900, is above the national average, it is well below other cities in the mid-Atlantic and Northeast. The metro area has added roughly 68,000 jobs since 2005, and employment held steady last year. With a glut of national builders in the market, locals such as Dixon Kirby have experimented with different looks and styles to keep sales alive.

5. Dallas, Texas 2008 total building permits: 26,145

In a year when permits declined 35 percent nationally, Dallas only experienced a 9 percent fall-off. With a population of 4.2 million, Dallas was the third largest home building market last year, as measured in permits pulled. Employers in Dallas, a popular place for corporate relocation and expansion, added 42,000 jobs last year, a growth rate of 2 percent. Existing home prices have held steady, falling a paltry 2.3 percent in the last year, Interestingly, the face of residential construction has changed dramatically in Dallas in recent years; 58 percent of the activity last year was in multifamily, compared to a five-year average of 23 percent. The relative stability of the market, though, wasn’t enough to prevent Wall Homes from filing for bankruptcy earlier this year. On the other hand, former Meritage co-CEO John Landon recently started a new Dallas-based home building company.

4. San Antonio, Texas 2008 total building permits: 10,261

San Antonio is another Texas market that is still adding jobs, about 15,000 last year. A city of more than 2 million people now, its population is also growing, at a 2.8 percent annual clip through the third quarter of last year. Existing home prices are barely declining in San Antonio, down only 1.8 percent in the last year, leaving the median price of an existing single-family home at an affordable $154,400, 25 percent below the national average of $200,500, according to the National Association of Realtors. The upper end of the housing market was hurt recently when AT&T announced it would be moving its corporate headquarters to Dallas.


3. Fort Worth, Texas 2008 Total Building Permits: 10,388

Fort Worth, always operating in the shadow of higher profile Dallas, nevertheless can currently claim to have a slightly healthier housing market, based on its employment growth, relatively strong permit activity, and inexpensive housing. Now the 14th largest home building market in the country, Ft. Worth’s builders pulled 10,388 permits last year, roughly two-thirds of them single-family. That may be half as many as 2005, but many other major markets showed much sharper drop-offs. The relative strength of the Fort Worth market in recent years stems from its ties to the oil and gas industries, which has fueled above-average job growth. The metro area added 17,300 jobs last year.


2. Austin, Texas 2008 Total Building Permits: 14,250

Nine years ago, during the tech bust, some builders felt that Austin was too crowded and left. The bloom is back on Austin’s yellow rose now; it moved up the leader board to become the sixth largest home building market last year. Job creation explains the move. While other markets lost employment, Austin added 17,400 jobs last year, 2.31 percent growth rate. It helps that Austin is home to both a major university, The University of Texas, and the state capital. Existing homes cost a little bit more in Austin than other Texas markets, roughly $190,900, but that’s still below the national average. Also, Austin is one of the few metro areas in the country where median prices actually rose in 2008--1.4 percent through the first three quarters of the year. Amazingly, Austin now generates more home building activity than Chicago, which has six times more people.

1. Houston, Texas 2008 Total Building Permits: 42,697
They like to do things big in Houston. Now the metro area, home to nearly 5.8 million people, can lay claim to being the largest home building market in the country, with 42,697 building permits. The market is still benefiting from an influx of population and jobs and rebuilding in the wake of Hurricane Ike. Employment rose 2.2 percent last year, representing the addition of an incredible 57,000 jobs. Home building activity in Houston has only fallen 31 percent since 2005. Also, existing home prices actually rose in Houston last year, 2.8 percent, to $160,200, still a very affordable level. Roughly one third of the home building action is in Harris County, followed by Houston proper and Fort Bend County. One of Houston’s largest builders, Royce Homes, shut down last year, and Kimball Hill, one of the biggest builders in Texas, closed its doors this year after it failed to find a buyer.

Obama throws $75 billion lifeline to homeowners

Obama throws $75 billion lifeline to homeowners

President Barack Obama threw a $75 billion lifeline to millions of Americans on the brink of foreclosure Wednesday, declaring an urgent need for drastic action — not only to save their homes but to keep the housing crisis "from wreaking even greater havoc" on the broader national economy.

The lending plan, a full $25 billion bigger than the administration had been suggesting, aims to prevent as many as 9 million homeowners from being evicted and to stabilize housing markets that are at the center of the ever-worsening U.S. recession.

Government support pledged to mortgage giants Fannie Mae and Freddie Mac is being doubled as well, to $400 billion, as part of an effort to encourage them to refinance loans that are "under water" — those in which homes' market values have sunk below the amount the owners still owe.

"All of us are paying a price for this home mortgage crisis, and all of us will pay an even steeper price if we allow this crisis to continue to deepen," Obama said.

The new president, focusing closely on the economy, in his first month in office, rolled out the housing program one day after he was in Denver to sign his $787 billion emergency stimulus plan to revive the rest of the economy. And his administration is just now going over fresh requests for multiple billions in bailout cash from ailing automakers.

Wall Street has shown little confidence in the new steps, declining sharply on Tuesday before leveling off after Wednesday's announcement. The Dow Jones industrials rose 3 points for the day.

Success of the foreclosure rescue is far from certain.

The administration is loosening refinancing restrictions for many borrowers and providing incentives for lenders in hopes that the two sides will work together to modify loans. But no one is required to participate. The biggest players in the mortgage industry temporarily had halted foreclosures in advance of Obama's plan.

Complicating matters, investors in complex mortgage-linked securities, who make money based on interest payments, could still balk, especially those who hold second mortgages or home equity loans. Their approval would be needed to prevent many foreclosures.

"The obstacles have not gone away," said Bert Ely, a banking industry consultant in Alexandria, Va.

Another cautionary note came from John Courson, chief executive of the Mortgage Bankers Association.

"It seems to offer little help to borrowers whose loan exceeds their property value by more than 5 percent," he said, noting that that requirement would limit the plan's success in some of the hardest-hit areas in California, Florida, Nevada and Arizona and parts of the East Coast.

Indeed, Obama himself said, "This plan will not save every home."

The goal is to lower many endangered homeowners' payments to no more than 31 percent of their income. But that depends on a high degree of cooperation by lenders who have been increasingly wary of new lending as the crisis has deepened.

Still, the Obama administration, after talking with mortgage investors, appears confident that it is providing the right mix of incentives and penalties to make sure mortgage companies take part. Obama said he backs legislation in Congress to allow bankruptcy judges to modify the terms of primary home loans — an idea ardently opposed by the lending industry.

"Taken together, the provisions of this plan will help us end this crisis and preserve, for millions of families, their stake in the American Dream," Obama said. Yet, he also added: "We must also acknowledge the limits of this plan."

He called on lenders, borrowers and the government "to step back and take responsibility" and said: "All of us must learn to live within our means again."

There's broad economic anxiety across the nation, an Associated Press-Gfk poll indicated.

Nearly three in four people say they know someone who has lost a job in the past six months as a result of the tough economic conditions, according to the poll, released Wednesday. And more than half say they worry about being able to pay their bills and about seeing their retirement investments decline. So far, Obama's job approval rating still is high, at 67 percent, and he is scoring strong marks for his handling of the economy.

The president unveiled his housing plan at a Phoenix-area high school in a state with one of the country's biggest foreclosure rates.

Nationally, Moody's Economy.com says that of the nearly 52 million U.S. homeowners with mortgages, about 13.8 million, or nearly 27 percent, owe more than their homes are worth after many months of declining prices.

How soon will the new plan show results?

"You'll start to see the effects quite quickly," Treasury Secretary Timothy Geithner told reporters in Phoenix, noting that rules governing the changes will be published March 4.

In theory, homeowners facing foreclosure or borrowers owing more on their homes than their mortgages are worth would have more opportunities to refinance their loans so that they have lower monthly payments. Lenders would voluntarily participate in the government programs.

The $75 billion Homeowner Stability Initiative would provide incentives to mortgage lenders to cut monthly payments in an effort to persuade them to help up to 4 million borrowers on the verge of foreclosure. The goal: cut monthly mortgage payments to sustainable levels, using money from the $700 billion financial industry bailout passed by Congress last fall.

Another part would specifically help people with dwellings whose market value has sunk below the principal still owed on the mortgages. Such mortgages have traditionally been almost impossible to refinance. But the White House said its program will help 4 million to 5 million families do just that — if their mortgages are owned or guaranteed by Fannie Mae or Freddie Mac.

To boost confidence, the Treasury Department said it would double its support to the two mortgage giants that the government essentially took over last fall.

It said it would absorb up to $200 billion in losses at each company by using money Congress set aside last year and will continue purchasing mortgage-backed securities from them. Fannie Mae and Freddie Mac are projected to need a combined government subsidy of about $66 billion, well short of the new promise of up to $400 billion.

Obama emphasized that his plan focuses on helping families who have "played by the rules" stay in their homes.

But, he said, it will do nothing to help "the unscrupulous or irresponsible." He cited so-called speculators who took out risky loans on multiple properties to make money by selling them during the housing boom, lenders who took advantage of naive buyers by glossing over the fine print, and people who willingly bought homes that were way beyond their means.

"This plan will not save every home," Obama said.

Associated Press Writers Alan Zibel, Mark S. Smith, Jennifer Loven and Martin Crutsinger in Washington contributed to this report.

Forex Dollar Great Investment In These Financial Recession Times

Bill Poulos comments on his Forex Income Engine. are you trading Forex with this ‘risk shield:

Bill Poulos ’flexible forex’ day trading discovery (free video 1)

Check out the Free Bill Poulos Forex Income Engine video here — and remember, this is free Forex training video! Watch this Complimentary Forex trade training video by clicking here

Earlier this year, during one of my many late-night Forex trading research sessions, I made a discovery around day trading Forex that I’m finally ready to share with you…

-and from what I’ve seen, NO ONE is trading Forex like this (yet)… not to mention this completely turns traditional “day trading” on its ear…

So I recorded a new training video this weekend that “pulls back the covers” on this discovery, and what it could mean to your portfolio.

Check out the Free Bill Poulos Forex Income Engine video here — and remember, this is free Forex training video! Watch this Complimentary Forex trade training video by clicking here

During my research, I confirmed what I suspected for a long time:

* The collapsing global stock markets and economies are creating pressures that, in turn, are creating more profit potential than we’ve ever seen before in the Forex markets.

That may come as a big surprise, especially if you’re new to trading… but I explain in my training video why this is happening, and how you can get in on it.

You’ll also discover:

* How you can literally TRIPLE your proft potential when you use a little-known trick that has to do with the predominant trend…

* 2 “retracement tricks” most traders flat-out MISS, which, if you know how to spot them, can turn an otherwise losing trade into a profit powerhouse…

* The huge “edge” you get over other traders when you automatically identify the predominant trend at any point in time… and then “throw yourself in front of it”…

* The #1 key to trading Forex you MUST do EVERY SINGLE TIME before you place a trade before even thinking about profit. When you do this, you automatically “up the odds” that a profit will unfold…

* …and a TON more.

If you’re interested in Forex, or have been a little “spooked” by what’s been going on in the markets, then this may be the most important trading video you’ll ever see this year.

Why? Because after you watch it, you’ll be SCRAMBLING to start trading Forex using this type of trading.

It finally brings flexibility and customization to Forex day trading so that ANYONE can have an “edge”, whether you only have 20 minutes to trade, or if you have all day. Your choice.

Check out the Free Bill Poulos Forex Income Engine video here — and remember, this is free Forex training video! Watch this Complimentary Forex trade training video by clicking here

To see all the exceptional Bill Poulos Forex and Stock Market training tools and programs that are proven to make you successful in the Forex and Stock market Click Here

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How To Sell Your Home In Today's Market

'Realistic' approach is needed in weak market
by Ellen James Martin-Universal Press Syndicate

Those who sell real estate recall those heady days just a few years ago, when competition over the best homes on the market - known as "showcase properties" - was robust. Multiple bids were common, and eager buyers submitted contract offers stripped of all conditions, such as the right to a home inspection.

Indeed, some buyers were so anxious to beat rival bidders in the race to own an attractive home that they would snap it up without even visiting first, recalls Tom Early, a real-estate broker and former president of the National Association of Exclusive Buyer Agents (www.naeba.org).

Nowadays, the tables are turned. In many neighborhoods, buyers have lots of leverage, and motivated sellers, including the corporate owners of homes taken back through foreclosure, are compelled to bargain with prospects. The sellers of showcase homes, known as "cream puffs," are no exception. "At a time when buyers are incredibly demanding, you must be absolutely realistic about the market," Early says.

Here are pointers for the sellers of homes with exceptional allure:

• Select a listing agent with a good eye.

"If your house is spectacular, you want visuals to show just how good it looks," says Dorcas Helfant, a former president of the National Association of Realtors (www.realtor.org).

Visuals include photos for print advertising and video for online listings, including the "virtual tours" that have become a popular home-marketing tool in cyberspace.

As Helfant notes, more agents are taking classes in digital photography, and more are producing the sort of professional-quality visuals that home sellers need to compete, especially in neighborhoods with many homes for sale.

• Don't expect too much of a pricing premium.

Is the property you're selling decked out with several features that excite buyer interest, such as fine wood cabinets, granite countertops, floor-to-ceiling windows and a fireplace in the master suite? Does it also have 10-foot ceilings throughout? If so, you may be tempted to ask a lot more than your neighbors are asking for similar-size properties that lack such fancy features.

But Helfant cautions against attaching too high a premium when pricing your showcase home, no matter how fancy or well-kept it is.

"Given today's competitive markets, where available properties abound, I wouldn't go more than 3 to 5 percent over other like homes in your community, even the ones that don't show nearly as well," she says.

• Consider a neighborhood open house for the public.

Real-estate experts often downplay the value of public open houses as a means of attracting the interest of serious purchasers. They say most open-house visitors are curious neighbors or "wishful buyers" who lack the means to go through with a purchase. On the other hand, well-qualified buyers are typically guided through homes by their agents.

But Helfant says there's a way to increase the impact of the public open house conducted for your showcase property: Encourage other sellers in the neighborhood to hold open houses on the same day, thereby increasing your potential draw.

"Ask your listing agent to contact the agents representing all the other sellers. The more the merrier when it comes to open houses. With more homes open, the greater the chance that serious prospects will come by, with or without their agents," Helfant says.

A neighborhood open house can be especially beneficial for the sellers of showcase homes because buyers can quickly compare all the places they see.

• Don't second-guess yourself on your plans to sell.

Many owners of showcase homes are ambivalent about letting go of their properties in a market where bargain shoppers have so much clout. Even after they've put their place up for sale, they wonder if they should pull the place off the market until they can get a better price.

Before retreating, Early urges you to take into account the personal and financial implications of postponing your sale.

"Maybe your neighborhood market could stage a huge rebound within one to two years. But you should also consider all the ways you might lose out by waiting," Early says.

"Postponing your hopes and dreams for a better housing situation means you could be missing that once-in-a-lifetime chance to buy your fantasy property at a major discount," he says.

New Google Android Phone

Google Android Phone's Big Premiere

In the most anticipated mobile-phone launch since the release of Apple's iPhone, the T-Mobile G1 was unveiled Sept. 23.

Like the iPhone, unveiled in June 2007, the G1 is the brainchild of one of tech's most innovative companies; it's the first phone boasting the Android software created by a Google (GOOG)-led consortium. Like Apple's music-playing handset, the G1 features a full Web browser and connects to the Internet with Wi-Fi technology. G1 similarly boasts a large touchscreen and lets users download games and tools from an online bazaar akin to the Apple App Store.




That's about where the similarities end. The G1 is to follow a different path from the Apple (AAPL) iPhone in some crucial ways, notably volume growth. G1 is expected to do well, though it may not replicate the iPhone's early successes.

Fewer T-Mobile Subscribers
Analysts predict that manufacturer HTC will sell 200,000 to 400,000 units this year, once the device becomes available on Oct. 22 in select markets. The device will sell for $179 with a two-year contract. At the high end of that estimate, the first Android device would gain almost 4% of the U.S. smartphone market in the fourth quarter, expected by wireless researcher Strategy Analytics to total 10.5 million. Tina Teng, an analyst at research firm iSuppli, believes Android-based devices will sell 2 million to 3 million units globally in 2009.

Still, the original iPhone sold 1 million units in its first 1½ months on the market—and that was during what is usually a slow sales season, compared with end-of-year holidays. Apple expects to sell 10 million units of the next-generation device, the iPhone 3G, this year.

Sales expectations are lower for Android partly because G1 will be carried by T-Mobile USA, which has 30 million subscribers, compared with Apple's iPhone partner, AT&T (T), which has more than 70 million.

Another strike against Android is that T-Mobile's high-speed wireless network isn't as extensive as AT&T's. "Consumers still choose the carrier first," says Ross Rubin, an analyst at consumer electronics research firm NPD Group. "For early adopters, they'd need to contend with T-Mobile's embryonic 3G network for at least a few months," Rubin says. What's more, G1 buyers will likely have to buy an additional calling plan to use G1's built-in Wi-Fi more extensively; iPhone users can freely use their device's Wi-Fi capability. T-Mobile will offer a limited data plan for $25 a month and unlimited Web access and messaging for $35 a month.

Some analysts who have seen versions of G1 also say it's not quite as stylish as the comparable Apple device. "It does not feel as luxurious as the iPhone," says Moe Tanabian, senior principal at IBB Consulting who has seen a late prototype of the device. The device is a cross between the iPhone and a Sidekick, an earlier T-Mobile phone that also boasts Web access and was a favorite of hip cell-phone users. Andy Rubin, who heads Google's Android effort, helped develop the Sidekick.

Wide-Open App Marketplace
Google and other Android supporters surely will try to prove the pessimists wrong. Google, for one, is expected to launch an extensive marketing campaign for the device. "Google is the defining Web 2.0 company for online search," Ambrosio says. T-Mobile is also throwing its marketing muscle behind the G1—though its budget is typically nowhere near as big as that of larger rivals. "It will be the biggest marketing campaign we ever launched for a mobile device," Cole Brodman, T-Mobile's chief information and innovation officer, said at the unveiling, attended by Google founders Sergey Brin and Larry Page.

G1 sales will also benefit from the flexibility of the Android Marketplace online app store. Unlike Apple's iTunes App Store (BusinessWeek.com, 9/5/08), Google's marketplace won't vet developers. Google will let anyone post applications to its store, where features will be rated in a YouTube-like manner. The openness of the Android software also can make it easier for developers to create associated tools more quickly.

The Android-based handset also boasts a slide-out full Qwerty keyboard, which the iPhone lacks. The device, which will feature a capable music player, that allows for easy music downloads from Amazon (AMZN), is also expected to come in three colors: black, white, and brown. And as expected it offers plenty of tight integration with a wide range of Google services, including search, mapping, and address book tools. "If T-Mobile launches a bugs-free, easy-to-use phone, then its brand equity will increase," says Tanabian, who has consulted for T-Mobile.

The Android Army Is Coming
Apple's iPhone isn't expected to be the main competitor for G1. The Android-based phone may erode sales of the Sidekick, phones that run Microsoft's (MSFT) Windows Mobile software, and smartphones made by Motorola (MOT) and Research In Motion (RIMM), maker of the BlackBerry. RIM "might lose some share by virtue of being the market leader" in the U.S., Rubin says. T-Mobile's parent, Deutsche Telekom (DT), will introduce the phone in the U.K. on Oct. 22 and elsewhere in Europe in the first quarter of 2009.

G1 stands to become a more formidable competitor as it's picked up by other manufacturers as well. Motorola, LG and Samsung are expected to launch Android models worldwide in 2009. And their Android-based phones may look vastly different from each other and the G1. Europeans may get a slider with a 12-key keyboard that they favor. Japan may get a phone with built-in mobile TV. There could be special phones for doctors or for lawyers.

Big cell-phone carriers also will help determine the success of coming Android phones. "Android has the potential to be much bigger than Apple because they can have many more manufacturers making its products," says Chris Ambrosio, an analyst with consultancy Strategy Analytics.

Kharif is a senior writer for BusinessWeek.com in Portland, Ore.

Wickenburg AZ Custom Home For Sale

JUST LISTED. WICKENBURG AZ CUSTOM HOME FOR SALE

$410,000 - 470 IRONWOOD PL,
Wickenburg AZ

Virtual Tour - Full Listing Info

Incredible Custom Michael Daily designer retreat!!! PRICED TO SELL FAST!!!!

Property Type: Residential
Map Code/Grid: C20
Subdivision: Three Crosses
BD: 3
BA: 2
Approx SQFT: 2,095
96

Incredible Custom Michael Daily designer retreat!!! PRICED TO SELL FAST!!!!

Entertainer's dream home, surrounded by mountain views! Enjoy the sunset lounging in the pebble tec pool. Enjoy 'Cocktail Hour' sitting in front of your gas fireplace or bar in the backyard Ramada! Spa pad wired & ready! Beautiful desert landscaping, drip system in front yard. Surround sound, alarm system and professional FAUX paint on inside. Wait until you see the master bedroom with claw foot tub and open shower!! How romantic! UNBELIEVABLE kitchen with granite countertops, hickory cabinets and stainless appliances. Great room with beehive fireplace for those cool Wickenburg nights. DON'T Miss this opportunity to buy your dream home! Owner Agent

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5 Recession Proof' Trading Attack Plans

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Hopefully you had a chance to read my brand new "Market Mastery Profit Plans" report that I released on Tuesday. Close to 15,000 traders have already gotten their hands on it...

-and the feedback I'm getting so far is awesome.

But I wanted to let you know that since Tuesday, I also released
2 more brand new training videos, including one that's becoming somewhat of an 'instant classic'

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In this video, you'll discover how individuals that are dependent on the so-called media experts for trading advice generally run scared because of the "doom & gloom" scenarios painted nearly every day in the news...

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Important: TAKE NOTES.

I'm also releasing 4 more videos over the next 4 days.

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There are also 4 more complimentary trading videos you'll get your hands on over the next few days, too.

Collectively, all this training material will likely be sold in the near future for around 200 to 300 bucks. However, the author, a 30+ year trading veteran, is giving it away right now as a sort of "stock market band-aid" to show you how you can spot profit potential again & again in any kind of market... and any kind of economy.

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Good Trading

Virus Warning:Your Internet Access Is Going To Get Suspended

Your internet access is going to get suspended - SPAM
Sophos has been intercepting many spam emails containing a malicious attachment overnight.

The emails all claim that “your internet access is going to get suspended”, as the receipient has committed “illegal activities” such as pirating software, movies or music.

This is the email:
Your internet access is going to get suspended

The Internet Service Provider Consorcium was made to protect the rights of software authors, artists.

We conduct regular wiretapping on our networks, to monitor criminal acts.

We are aware of your illegal activities on the internet wich were originating from

You can check the report of your activities in the past 6 month that we have attached. We strongly advise you to stop your activities regarding the illegal downloading of copyrighted material of your internet access will be suspended.

Sincerely
ICS Monitoring Team

The emails, which say they come from the “ICS Monitoring Team”, claim that a report of the user’s activities in the past six months is attached in a file called user-EA49943X-activities.zip.

However, if you open the contents of the user-EA49943X-activities.zip file you risk being infected by a malicious Trojan horse designed to communicate with remote hackers. Criminals can then break into your computer and use it for their own money-making purposes.

Sophos is identifying the malicious files seen being used in the campaign so far as Troj/Meredrop-A and Troj/Agent-HQK. Users of other anti-virus products would be wise to check their vendor to see if an update is available.

With so many people suffering from internet addiction (also known as ‘discomgoogolation’), it’s not hard to imagine how many people would react to receiving an email like this.

Not only would many people be prone to clicking before thinking at the accusation that they have been engaged in illegal activities, but also a disturbing proportion would be alarmed about the prospect of not being able to surf the internet.

Remember, THIS IS SPAM. Never open an attachment unless you know the sender

Earn Money Fast. Top Forex Affiliate Pays Big Bucks

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Besides our high, 2-tier leading-edge affiliate commissions, here are 7 reasons you should join our program:

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We've been recognized as Product Launch Experts by Jeff Walker, creator of the Product Launch Formula, and recently did a $2.4M launch over 2 weeks.

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Truth About Bill Poulos Forex Profit Accelerator Bonus

Forex Profit Accelerator Trading Bonus
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Those of you who have been following the teachings of Bill Poulos know how much I LOVE TRADING! Even though Bill has a solid set of methods and techniques he uses for his own trading, he's constantly tinkering around in the “trading lab”. Besides spending time with his family, it’s whathe likes to do in his spare time. Some people like to play golf. Bill rather be trading.

Now, because of my position in the trading education community, I am approached quite frequently by other traders, systems developers, companies, you name it. Many of them send me evaluation copies of their programs and methods to get my professional feedback and opinion. Some of the material I receive is quite good, but honestly, most of it is incomplete. The reason I tell you this is to impress upon you the amount of trading material I have in my personal library – I have a TON, and I believe I’ve seen just about every type of program on the market.

In reviewing all this material and in examining all the questions I’ve been receiving from my readers and students about Forex, I made two key discoveries that were astonishing to me.

"After reading your free e-book, I practice trading at the end of the day, just according your instructions, using the two MA and ADX. Amazingly, the 8 trades were winners. I trade only the GPD/USD, and EUR/USD, because I think these are the most volatile, and I don’t need to spend all my time in front of my PC. It's great, thank you.."Jorge A Hinojosa*

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First, there seems to be a flaw in the perception of how money can be made in the Forex markets. And the flaw is this: it seems that 95% of all Forex traders only think they can make money day trading these markets. It actually may be higher, maybe 99%. This perception is very dangerous, in my opinion, because not all traders are psychologically equipped to handle day trading, so they get in over their heads and get eaten alive until their trading accounts are emptied within a few minutes or hours. I’ve seen it happen, and it’s not a pretty sight.

I’ve already told you my opinion on day trading – it’s just not for me. If you prefer that style of trading, then more power to you (I can even recommend some great day trading Forex courses). But the vast majority of my readers have told me time and time again that day trading is not for them, either. And that’s great news…

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Because the other discovery I made was how to treat the 24/7 Forex market as an end-of-day market. This removes all the stress and strain associated with trading on a 24 hour basis. It’s often been said that if you can’t make money trading on an end-of-day basis, you’ll never make money day trading. I tend to agree.

When you treat the Forex markets as end-of-day markets, I’ve found they can offer far more profit potential than the minor swings many day traders kill themselves to capture. And when you learn the right way to trade Forex as an end-of-day market, you can quickly jump from one big swing to another as they’re driven by the Forex market giants – the big banks and other financial institutions, including governments...

...but while these behemoths react slowly to market changes due to their sheer size, as soon as you learn to spot a big swing, you can get on and “ride their coat tails”. And by the time they’ve turned to look over their shoulder, you’ll have already gone on to the next big swing.

For example, suppose several major financial institutions think that the Japanese Yen is undervalued versus the dollar and that the Japanese government will soon act to stop artificially suppressing the value of the Yen. Collectively they might begin slowly building what will become very large positions in the market by selling short the USD/JPY pair. I am talking about hundreds of thousands of standard lots.

Whether the Japanese government acts or not, the market might drop as expected, in part, due to the ever increasing short positions of these financial institutions. If they are right, we small traders can apply trading methods that will spot these moves and jump on board at a moment’s notice. We can protect our positions with initial stops and ride the wave to good profits if the market follows through on the downside. And we can jump out just as quickly as we jumped in. The big institutions simply can’t move that fast without damaging their positions.

"Course pays for itself in first two days of trading. ABSOLUTELY AMAZING! My first two trades were: Long 2 EUR/USD, Instant Pips for a 45 pip profit on 10/9/07, Short 2 USD/CAD, Pip Maximizer 2 for a 46 pip profit on 10/4/07. Thanks for a great course. I was really unsure about how useful the information would be compared to its cost, but I'm a true believer now."
David Vaughn, Sugar Land, TX*

"So far, about 55% net gain with just the Instant Pips method! Very satisfied. I like your time-saving and conservative approach very much. Course is very easy to understand and I love the colored quick reference cards."
Ted Richardson, Tokyo, Japan*

"I'm very glad my father and I decided to buy FPA in September. On October 9th we did our first trade. Until now we made 12 trades only with 1/4 lot and the profit is amazing, more then $4,000! And that in 5 weeks. Now we are confident with the system we are ready to trade with more money. The system was easy to learn, after one week we could make our first trade. I appreciate the updates, and the extra tactics. We are going to use them too."
Frans & Ingrid H., The Netherlands*

"Just wanted to let you know that I woke up this morning (12/5) to a profit of $2,228.00 on the gbp/usd pair, Instant Pips downtrend, a trade I entered only yesterday. Needless to say, this method works. I appreciate all the work you do and for letting all of us know what you're up to. You're that rare guy who truly cares about his students. This is an incredible method!"
Lee Meddin, Davis, CA*

"I must say how much I am impressed with your level of integrity. You have done everything that you said you would do. Especially the tight number of teaching materials that were sold. You set down a deadline, and you kept the deadline. If it were not for duplicated orders that paved the way for 44 or so unsold packages, I would not have been able to obtain the CDs. You credibility was further enhanced when I listened to the interview that I downloaded from the web today. By the way, I must say that the quality of the CDs is really very good - the presentation itself and the content."
Syling Lee, Murrieta, CA*

"Admittedly I had my doubts about the course, but since I started using the program I found that I can consistently make profits. I have one goal and that is to make a minimum of 2% of my portfolio a week. I have been able to do just that and a lot more with this program. I love the four step program (set-up, entry, stop loss, exit). These four steps help me stay focused and keep my emotions out of the trade. This is my third time starting over in the Forex market. I have come to realize that the two previous times I did not have a complete trading method. With your program, I have the confidence that I finally have a complete trading method, the knowledge to use that method, and the knowledge to recognize other complete trading methods."
Eric Norman, Nottingham, MD*

"In my demo account I started trading using the FPA on Oct 12th. In that time I have closed a total of 24 trades with a net profit of 1,140 pips and I currently have three open positions with profits of 409 pips on the Euro, 534 pips on the Swiss Franc and 350 pips on the Yen. Not too shabby! I'm impressed."
Doug MacQuarrie, Maple Falls, WA*

"I have been paper trading since I received it, and have made about a $12,000 profit. It is a very easy to understand and complete method. Much better than I have had from other systems. Thank you very much for this system, I will be using it from now on."
Yvonne Flowers, Mohave Valley, AZ*

"I have implemented 3 of the methods on Metatrader and have made over $7,000 on 5 winning trades - no losers yet... it could have been a lot more if I had taken all the trades triggered. It has been very useful to have your Pip Feeder to verify my signals. Thank you for the high quality of the presentation and explanations. It does a lot for confidence levels to know one is using a quality product that has been thoroughly researched as well as the knowledge that you are continuing to support us."
Peter Alport, South Africa*

The bottom line here is that we are prepared to ride the trend on the coat tails of the mega traders, but with a level of agility they don’t have. And by doing this, we minimize risk and maximize profit while they’re still trying to “unwind” their positions.

This is a BIG DEAL! If those last few paragraphs didn’t make sense, please go back and read them again. What this means is that I found a way to show you exactly, step-by-step, how to identify when a Forex pair is likely to make a move UP or DOWN. And no matter which way it goes, I created specific trading rules that let you take advantage of those moves and ride them for a huge potential profit. And here’s the kicker – I don’t just show you how to do this one way…

…I developed four complete methods, all based on my time-tested principles, that allow anyone to identify as many profitable trading opportunities as possible.

And that’s why I decided to name my course the Forex Profit Accelerator – because I show you how to truly accelerate your Forex profits with my four methods. And you can use them individually or together - synergistically - to maximize your profit-taking.

So the bottom line is this – no matter what happens in the Forex markets, with the Forex Profit Accelerator, you will always know exactly what to do every time you place a trade. No exceptions. No matter the outcome. It’s that simple.

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I am a serious trader and will put forth my best effort to learn and study the Forex Profit Accelerator.

The Forex Profit Accelerator is copyrighted intellectual capital and I am prohibited by law from copying, distributing or sharing this information with others.

I have 90 days to review the Forex Profit Accelerator from my purchase date and I may return it for any reason within those 90 days for a complete refund of my purchase price (not including shipping & handling) as long as I contact you to obtain a return merchandise authorization number first and then return the course in like-new, unmarked condition.

If I select the 3-payment option, I agree to make all three payments in full and to keep my billing information current.

If my order is being shipped outside the United States, I am responsible for any customs or duty fees.

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Changing Mortgage Loan Requirements

The Ever-Changing Mortgage Loan Requirements

NEW YORK (CNNMoney.com) -- Are you ready to buy a house in this crazy market? Better bring a boatload of money to the closing.

In a brutal real estate market where all the players want to hedge against the tremendous risks, down payment requirements and up-front fees have soared, shutting many potential home buyers out of the market.

"I have as many people calling me for financing as ever," said George Hanzimanolis, a Pennsylvania mortgage broker, "but I'm putting less than half of them into loans."

That's happening all over the country, and may slow the housing market's recovery. Indeed, in a Realtor.com survey released today, potential home buyers said high down payments were the second biggest obstacle, after high home prices, to buying a home.

These days, home buyers almost always have to make a substantial down payment, at least 5%, according to Rich Wordman, president of the Florida Association of Mortgage Brokers. The days of no-down loans are over.

In deeply declining markets, lenders are reluctant to issue loans unless borrowers put at least 10% down, he said.

JP Morgan Chase (JPM, Fortune 500), for instance, now asks for a minimum of 10% down in most markets, according to a spokesman, and for 20% in hard-hit areas. In Reno, Nevada, which has been devastated by the housing crisis, the bank requires 25%.

Even bigger jumbos

For expensive homes, the down payments are disproportionately more. Lenders issuing jumbo loans, which are too pricey to be sold to Fannie Mae (FNM, Fortune 500) or Freddie Mac (FRE, Fortune 500) in the secondary market, are asking for at least 20% down, according to Ed Craine, a San Francisco mortgage broker. In the most expensive markets, where jumbo loans are over $729,000, that means a minimum down payment of $148,500.

Higher interest rates on jumbo loans are also making them more expensive than they normally would be - with interest rates a full point to a point and a half higher than non-jumbo loans, said Mike Tacconi, a mortgage advisor with lender CMG Mortgage Services based in San Ramone, Calif.

And buyers purchasing homes for investment purposes are getting clobbered. Lenders are telling them to come up with at least 25% of the purchase price, according to Tacconi - and sometimes as much as 35%, depending on the kind of loan.

"Rents are high where I am," said Pennsylvania mortgage broker Hanzimanolis, "so people are having trouble saving enough for down payments."

Those high down payments are are being driven in part by the privatemortgage insurance companies, according to Jay Brinkman, chief economist for the Mortgage Bankers Association, which have themselves hiked their down payment requirements. These firms insure loans when borrowers put less than 20% down, making lenders whole when homeowners default.

In the past, these companies, such as MGIC Investment Corp (MTG). and PMI Group (PMI), often guaranteed mortgages when borrowers put no money down. Today they require 5%, 10% in steeply declining markets, according to Jeff Lubar, spokesman for the trade association Mortgage Insurance Companies of America.

In addition, private mortgage insurers are also charging higher insurance rates. Historically, PMI cost about 0.5% of a home's purchase price. Now, a borrower putting 5% down can pay about 0.75% for the first year.

Higher rates

And although interest rates are relatively low, industry experts say that they're higher than they should be, thanks to concerns about the solvency of Freddie and Fannie, which buy about half of all outstanding mortgages in the U.S.

The average 30-year, fixed-rate loan carried a 6.37% interest rate last week, according to Freddie Mac, up nearly a point from the year's low of 5.48% set last January and up from under 6% in late May. At the same time, yields on 10-year treasuries, which mortgage rates usually track, have trended down.

From June 12 to July 10, 10-year treasurys fell from 4.20% to 3.81%, while mortgage rates actually increased, inching up from 6.32% to 6.37%. Borrowers are probably paying at least a half point more than they ordinarily would, according to Keith Gumbinger of HSH Associates, a publisher of loan information.

That's because the questions surrounding the future of Fannie and Freddie have made the investors who buy their loans - hedge funds, pension funds, and banks - wary. They're demanding higher interest rates to take on the added risk they perceive.

Freddie and Fannie have also imposing higher up-front fees for riskier borrowers, based on credit scores.

As of June 1, buyers with scores of less than 620 with less than a 30% downpayment must pay a fee of 2.75% of mortgage principal, up from 2%. Between a 620 and 640 credit score, borrowers pay 2.5% (up from 1.75%); 640 to 660, 1.75% (1.25%); 660 to 680, 1.25% (0.75%); and 680 to 720, 0.5% (0).

"The fees are costing consumers a considerable amount of money," said Mark Savitt, a mortgage broker there and current president of the National Association of Mortgage Brokers.

All these added expenses are slowing an already moribund real estate market. That means it's going to take even longer to get rid of the tremendous inventory of unsold homes, according to the MBA's Brinkman, especially in areas that were overbuilt during the boom.

Cities hard hit by the housing bust, like North Las Vegas, Stockton, Calif. and Tucson, Ariz, may have to suffer through many more months of stagnant prices and increased foreclosures before they return to better times.

And these higher costs are going to stick around long after housing recovers, according to Brinkman. From now on, they'll just be the price of doing business.

Senate Passes Foreclosure Rescue

Senate Passes Foreclosure Rescue

WASHINGTON - A mortgage rescue to help hundreds of thousands of struggling homeowners avoid foreclosure and get more affordable, safer loans passed the Senate overwhelmingly Friday, but it faces a bumpy road amid continuing turmoil in the housing market.

The 63-5 vote reflected a keen interest by Democrats and Republicans to send election-year help to distressed homeowners with economic issues topping voters' concerns.

The plan lets homeowners buckling under mortgage payments they can't afford keep their homes and get more affordable mortgages backed by the Federal Housing Administration. Banks that agreed to take substantial losses on those distressed loans could avoid costly foreclosures and be assured of recovering at least some money.
The new program would let the FHA insure as much as $300 billion in new mortgages, helping an estimated 400,000 homeowners.

It still faces challenges, however, with the House planning to rewrite key details and the White House threatening a veto without major changes.

"It's not the final stop, but it is a major stop in getting this bill done," said Sen. Christopher Dodd, D-Conn., chairman of the Banking Committee. "For those who said this Congress cannot come together in a bipartisan fashion to do something responsible about housing, this bill does that."

Rep. Barney Frank, D-Mass., the Financial Services Committee chairman and an architect of the bill, says the few but significant revisions House leaders are seeking could be made in as little as one week.

Dodd said he was expecting minor "tweaks" that could be dealt with quickly.

But key players are bracing for intense negotiations to resolve the differences. They hope to smooth over disputes with the White House at the same time, with an eye toward producing a bill President Bush could sign later this month.

The White House Friday renewed its warning that Bush would veto the Senate-passed bill without revisions, citing $3.9 billion in the measure for buying and rehabilitating foreclosed properties it said would help lenders, not homeowners.

The measure includes a long-sought modernization of the FHA and would create a new regulator and tighter controls on Fannie Mae and Freddie Mac, the government-sponsored mortgage giants. It also would provide $14.5 billion in housing tax breaks, including a credit of up to $8,000 for first-time home buyers.

Democrats are divided over important elements of the plan, including limits on loans the FHA may insure and Fannie Mae and Freddie Mac may buy. The Senate measure sets them at $625,000, while House leaders - including Speaker Nancy Pelosi, D-Calif. - want the cap as high as $730,000.

House leaders also oppose the immediate effective date of the Senate plan, preferring to phase in the new regulations for Fannie Mae and Freddie Mac over six months.

"We'd have a hard time agreeing to that," Dodd told reporters Friday. He called a Capitol Hill news conference to dispel fears about the financial health of Fannie Mae and Freddie Mac as their stocks plummeted on reports that the government was considering taking over one or both of them.

Another key point of dispute is the funding in the Senate measure for buying and fixing foreclosed properties. The House's band of conservative "Blue Dog" Democrats oppose the money, arguing that it would swell the deficit unless paired with cuts or tax increases to cover the cost.

But many Democrats, particularly members of the Congressional Black Caucus, are fighting to keep the funding, which they say will help prevent the communities hardest hit by the housing crisis from sliding into blight.

"There are people who tell me to ignore" that threat, Frank said in a statement Friday. "But there is too much that is important in this bill, and it has already been too long delayed by procedural problems in the Senate, for us to risk the further delay involved in a veto."

He said he was working to find a way to shift the funds to a must-pass spending bill that would be approved before lawmakers scatter for the year in September.

Dana Perino, Bush's spokeswoman, said the money should be stripped out of the measure "so that they can get a housing bill to the president that he could sign right away."

Sen. Barack Obama, D-Ill., the presumptive presidential nominee, said Bush should drop his opposition to the housing plan and other Democratic efforts to ease economic pain.

"I call on the administration to support this bill along with a second emergency stimulus package to jumpstart the economy and build on this important start to advance more rigorous measures to protect homeowners from foreclosure," he said. Obama was on the campaign trail Friday and did not vote on the measure, which had been expected to pass by a wide margin. He was one of 32 senators not voting.

With the administration scrambling to tamp down on investor fears about Fannie Mae and Freddie Mac, Perino called the new regulations in the measure for the two mortgage giants its "most important feature."

Lawmakers and the Bush administration agree on the central concept behind the housing package: allowing the government to backstop new mortgages for struggling homeowners.

To make it more palatable to Republicans, the Senate measure would take responsibility for any losses away from taxpayers and instead cover them by diverting a newly created affordable housing fund drawn from Fannie Mae and Freddie Mac profits.

Forex Free Pip Feeder Access. Forex Pips

Forex Free Pip Feeder Access.
Forex Profit Accelerator Members Website Preview

Everything about it is first class... and easy to understand.
I'll have more information to send you about it on July 22nd, but for now I've been granted special permission to give you private access to a Members Website Preview so you can get "up close & personal" with this trading course before the rest of the community gets a chance to.

You see, the author of the course is only releasing 555 more copies from July 22nd to July 29th... but here's the problem: He already has 40,000+ traders interested in it. So he just doesn't have enough inventory to go around.

(His first two limited releases sold out in a matter of days.)

That's why he's letting me give you complimentary access to his Members Website Preview, but only until July 22nd. He wants to weed out the "tire kickers" so that only the traders who are truly serious about discovering how to trade the Forex markets in less then 20 minutes a day can get a copy of the course.

A Letter from From Bill Poulos

TOTAL INVESTMENT TODAY: $0.00
Dear Trader,

On Tuesday, July 22nd, I'll be re-releasing my sold-out Forex Profit Accelerator home study course that shows you how to become an independent trader and totally eliminate all the stress and strain typically associated with day trading Forex by spending only 20 minutes a night placing your trades.

I released this course to small groups of lucky traders last Fall and many of them think this is the highest quality course ever to hit the Forex market, both in terms of production value and effectiveness of the trading methods it reveals.

Things are getting pretty crazy over here at my office! My son, Greg, and I have been working day and night getting things ready for you. Over the past few weeks, we've been logging some long hours at the office as we worked on our brand new 'Forex 4-Pack' free training kit. Sign up here to get a FREE copy, and a lot more...

Get A Front Row Seat Today And Watch The Potential Profits Unfold On The Forex Profit Accelerator Members Website Preview

Here's the deal... I'm only releasing 555 more copies of my course on July 22nd, but I have thousands of traders on my "Priority Pip Pullers" list that want the course. So, there WILL be many disappointed traders. Those are the facts.

But I also know that my course isn't for everyone, so to help weed out the "tire kickers", I'm offering 100% FREE access to my Forex Profit Accelerator members website preview so you can get a feel for what it's like to be a Forex Profit Accelerator student before you get your hands on your own copy.

By doing this, I hope more copies of my course are available to those who truly want to get started with it right away.

I know based on my experience teaching students how to trade since 2001 that once you get your hands on the Forex Profit Accelerator, you may never need another Forex trading course again. After all, if something works again and again, why stop trading with it? So get your "first taste" of the Forex Profit Accelerator right now as a "Priority Pip Puller"...

When you sign up as a "Priority Pip Puller", you'll immediately get the following:

FREE complete access to my Forex Profit Accelerator Members Website Preview. This will give you a taste of what's to come when you become a Forex Profit Accelerator student.

FREE complete preview access to my Forex Profit Accelerator PIP FEEDER service until July 22nd. The PIP FEEDER delivers a list of daily Forex pairs that meet the Forex Profit Accelerator trade alert criteria and have a high probability of entering into potentially profitable positions in the coming days. You get access to these lists IMMEDIATELY as part of the preview.

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FREE access to the Forex Profit Accelerator Priority Enrollment Link. This is the link that will go "live" one full hour before the general public gets a crack at grabbing a copy of the course on July 22nd.

One hour may not seem like much, but when the market demand far exceeds the inventory on hand, that one hour could mean the difference between you getting a copy or having to wait 4 weeks, 4 months, or more.

In fact, one of the first things you should do after you sign into the Forex Profit Accelerator Website Preview is to print out the Priority Enrollment Link and keep it next to your computer, so you know exactly where to go on Tuesday, July 22nd, 2008, at 9am Eastern (New York) time.

FREE access to my brand new 'Forex 4-Pack' training materials (if you aren't among the already 40,000+ traders who have downloaded a copy in the past week).

On July 22nd, I'm going to shut down the Members Website Preview and continue on over at the permanent Members Website for the students. This means you don't have much time to join the "Priority Pip Pullers" list and get behind-the-scenes access to the Members Website Preview.

So go ahead, and click here to the "Sign Me Up!" page. It's 100% FREE, and you will be sent a private email with your special username and password that will let you access the Forex Profit Accelerator Members Website Preview immediately.

Please note: Make sure you type in a valid email address, because the private website link, username, and password for the Members Website Preview will be sent immediately to the email that you type in below.

p.s. Remember, this complimentary preview access WILL expire on Tuesday, July 22nd, so I urge you to get in now while you can if you have any interest learning how to dramatically up your "pip potential" while saving hours a day at the same time.

Thanks
Bonnie - best-forex-programs.com