1-16-09 TAR Digest

The Weekly Membership Newsletter of the Tennessee Assn. of REALTORS Guest Editor: Buzz Steele _______________________________________________________ CONTENTS 1. 2009 Documented Form Changes 2. Notables About form  “F9 Purchase and Sale Agreement” 3. Changes to the inFORM tool 4. There are ONLY 2 Residential Listing Agreements in 2009 ? [more...]

Date: 2009-01-16 00:36:02

Blog posts (137) | Videos (100)
 

Posts about ACORN as of September 28, 2009

Massive Voter Fraud In NY linked to ACORN - electionjournal.org 09/29/2009 The Working Families Party and local Democratic Party Officials are at the center of a massive voter fraud scandal in Troy, NY. According to the Times Union : Dozens of forged and fraudulent absentee ballots from people registered to vote on the Working Families Party line were filed in the Sept. 15 primary elections in Troy. [more...]

Date: 2009-09-29 05:45:28

Gates of Vienna News Feed 1/8/2009

The latest word is that an agreement with Russia has been reached, and the flow through the gas pipeline will resume.Also, look for the storming of the Israeli consulate in Montreal, as well as other Gaza-inspired violence around the world.Thanks to AA, Abu Elvis, Insubria, JD, Tuan Jim, Vlad Tepes, and all the other tipsters who sent these in [more...]

Date: 2009-01-09 04:49:00

Hamilton’s Counterfeit Capitalism

Daily Article by George F. Smith | As we await Bush’s replacement to straighten our wayward lives, it’s crucial to understand how we got here and why policy makers are so determined to do the wrong thing. Austrian economics explains why their policies are flawed, but no one with a voice seems to care [more...]

Date: 2009-01-15 21:36:00

Government Intervention in Foreclosure

This is Part Four of a series of articles on foreclosures. This article does not constitute legal advice. Foreclosure laws vary from state to state. Homeowners in financial distress should always hire legal counsel. Call your local state bar association for a referral.  Reduced or free legal aid may be available in some states [more...]

Date: 2009-01-07 07:00:13

Full Text: Barack Obama on Economy | Economic Recovery and Reinvestment | January 8, 2009

(Source: Office of the President-Elect) Throughout America’s history, there have been some years that simply rolled into the next without much notice or fanfare.  Then there are the years that come along once in a generation – the kind that mark a clean break from a troubled past, and set a new course for our nation [more...]

Date: 2009-01-08 18:00:11

The Bubble Was Bound To Break

WCSH 6 reports from Maine. “2008 was a difficult year for real estate on many fronts ... s now been resolved. But if the problem is your mortgage went up to more than you can afford, (Chapter ... A Manchester woman who owns a courier business got into debt after her gas expenses spiked to $1,500 [more...]

Date: 2009-01-14 13:37:16

First Draft Of Stimulus Package

SUMMARY: AMERICAN RECOVERY AND REINVESTMENT Action and Action Now! The economy is in a crisis not seen since the Great Depression. Credit is frozen, consumer purchasing power is in decline, in the last four months the country has lost 2 million jobs and we are expected to lose another 3 to 5 million in the next year [more...]

Date: 2009-01-15 23:03:30

It's time to leave economic recovery to the grownups, and have the wingnut obstructionists shut the hell up

When Paulson and Bernanke put their heads together . . . oh, don't get me started. Enough! We need some real economic vision and real political courage, and we need them now."These guys literally can’t conceive of any solutions outside their particular box. If it’s not tax cuts (but never for the middle or working class) or spending cuts ( [more...]

Date: 2009-01-07 22:00:00

Decide On Sound Audio Book Downloads

To download audio books offers many benefits to book lovers, not the least of which is that it is extremely simple. Obtain one today and you won’t be disappointed. This is recognized as an up and coming technology whose day has come. People who haven’t experienced audio books online may want to shift their outlook and consider it [more...]

Date: 2009-01-15 14:22:11

STIMULATE THIS!

STIMULATE THIS! So now it’s time for another bailout.  The one last month didn’t do the trick, apparently.  800 billion wasn’t quiiiiite enough.   We’re gonna have to try harder. Hey I got an idea for stimulating the economy.  Everybody who reads this, go to www.garygraham.com and buy my damn book!  (ACTING & Other Flying Lessons) [more...]

Date: 2009-01-13 19:58:57

Reverse Mortgages - a Reversal of the Mortgage Process

Mortgages have assumed a number of characters from the time of their inception. The traditional mortgages used to be of the repayment type ... of the home. The borrower has no obligation to repay the loan as long as he continues to reside ... , for which he receives no payment. This means that the debt goes on increasing. Simultaneously the equity [more...]

Date: 2009-01-15 16:06:33

Employment squeeze; rising costs strain Uni students; and an in-your-face trip to Le Cordon Bleu (and the year has only started!)

Singapore gripped by employment squeezeBy Sumathi BalaFinancial Times, January 15 2009Singapore’s job market is looking gloomy as the global economic slowdown takes its toll on local industries’ hiring.A recent survey reveals that more than half of bosses are planning to cut jobs in the first quarter of this year [more...]

Date: 2009-01-15 13:20:00

Easy to Find Loans

The financing of anything is really difficult and now you might have to spend more time looking for a loan to purchase a luxury item or to ... of before like a consolidation loan, personal loan, pay day loan, luxury loan or an equity loan ... consolidate your loans. The number of applications you fill out will affect your credit score [more...]

Date: 2009-01-15 02:22:51

Recent Tweets from the BARN

Phot Courtesy of: http://cofarmbureaublog.wordpress.com/2009/07/27/biotech-controversy-grows-in-boulder-county/WASHINGTON, Sept. 28, 2009 – The U.S. Department of Agriculture’s Commodity Credit Corporation (CCC) today announced loan rates for 2009-crop sugar as required by the 2008 Farm Bill. The 2009-crop national average loan rate is 18.25 cents per pound for raw cane sugar and 23.45 cents per pound for refined beet sugar, increased from last year. [more...]

Date: 2009-09-28 14:34:37

Is Bank of America The Next Citigroup?

Charles Darwin's theory was survival of the fittest. The Fed's policy is Survival Of The Weakest ... of America, which has been setting aside too little reserves for its own loans, Graham Fisher & Co.’ ... been so acquisitive, they find themselves with very little in tangible equity.” As Citigroup Goes To Sleep [more...]

Date: 2009-01-15 02:36:00

Will All Be Well, And End Well, In Estonia?

Well, there doesn’t seem to much room for doubt at this point does there, the Baltic Economies are in the van of the European economic slowdown for 2009, just as they were leading the charge up in 2007, and all that debate about whether we were going to get a hard landing or a soft one seems now so out of date and and old hat as we watch how [more...]

Date: 2009-01-13 15:59:56

Welcome to Freshman Year (Of My Student Loans)!

Been meaning to look into this for a while...especially since reading Shtinky's post on finally being above water on her student loans ... over $45k! And according to Aunt Sallie, I only took out $2,625 in student loans to pay ... my principal loan balance down to $70,110.Ah Freshman year. Dining hall food, dormcest, R.A.s, everything [more...]

Date: 2009-01-14 20:00:00

My Predictions for 2009… and What I Got Wrong in 2008

Hi Guys, Happy New Year! It’s been a while since we last caught up. I hope you are well and that you had a wonderful holiday and a very happy New Year. I was on vacation for the holidays. We had a terrific break. We took our three boys to Disney World. What a treat! We go once a year usually around President’s Day weekend [more...]

Date: 2009-01-06 21:43:37

The perfect consolidator of multiple debts

Life is all about dreams and expectations. As a mater of fact, our expectations would never end, till our last breathe ... ? If you prefer the later option, then the debt consolidation loans would prove to be a perfect choice ... . The second reason is that, the debt consolidation loans are actually opted when people try to avoid any [more...]

Date: 2009-01-15 18:24:25

Market Commentary - 1/12/09

Click here to listen… The Great Thaw We are now going through a period which I am calling the Great Thaw and in order to have a great thaw you ... .  You see, if banks aren’t sure they will get their own money back from the loans they provide, they will stop lending money to others.  When banks can’t trust their best clients to pay them back, [more...]

Date: 2009-01-15 17:06:06

Keeping Up with the Joneses...Reader's Submission

“Keeping up with the Joneses?” By: Nicole Little Some may say that the quote, “Keeping up with the Joneses" ... -workers and or associates. Well, I guess now we all are paying for Mrs. Brown trying to be Mrs. Jones ... ' average credit card debt in 2007 was $8400 per household. By the end of 2007, consumer debt in America [more...]

Date: 2009-01-15 12:54:03

Collection 101: Collecting for Your Start-Up

By Larry Chiang Congrats on getting to $900k in revenue, getting an angel round done and avoiding the 9 VCs you don’t wanna meet ... of Sales they should definitely be calling to collect. Compartmentalizing the collection by leaving it to a sole administrator is dooming your collection effort to fail. If the CEO won’t call, email [more...]

Date: 2009-01-06 17:53:48

In Baghdad, taking the wheel

With violence reduced drastically, new cars have become the latest must-have for those who can afford it, ... are kicking the tires and peering into windows, armed with a wad of cash and prepared to pay in full ... at one of two Baghdad car dealerships. "If I bring 50 cars, in one day, I will sell them. If I bring [more...]

Date: 2009-01-15 15:13:01

Banking 101

Balance Sheets contain Assets, Liabilities and Equity.  Assets:  Bank Assets are primarily Cash, Liquid Securities (those that can be converted to cash very quickly and usually Treasury Securities), Loans ... what they owe to Depositors in checking or savings accounts, Loans usually from the Federal Reserve &amp [more...]

Date: 2009-01-15 20:19:04

Some more thoughts on how to fix the housing crisis

Here is the smartest thing I've read yet about how to stabilize the housing market through loan modifications ... parts: 1) Loan servicers don't have the right economic incentives to modify loans, even ... percent of all mortgage payments made by borrowers, with a cap for each mortgage of $60 per month [more...]

Date: 2009-01-15 14:18:48

You Can Implement your own Credit Repair

by Rob Kosberg One day you realize that you are in a serious personal financial disaster situation ... of your salary that goes for necessities such as mortgage, car loans, credit card payments, utilities, other loan ... . This is the income you can devote to reducing debt. Next, decide which loans and credit cards [more...]

Date: 2009-01-14 23:27:42

Mindful of the Miracles

On Tuesdays, I pay bills. This week, I paid all the bills. I can't remember the last time I was able to do that —just write the checks, matter-of-factly, in order of due date, without having to shuffle anything to the back of the pile or dial an 800 number to ask for more time. It seemed like a miracle. It is a miracle [more...]

Date: 2009-01-15 17:50:33

The Cubs

With all the support and encouragement I got to buy the team, I think its appropriate to share the  decision making process behind what happened and why. Buying the Cubs was a unique opportunity to own one of the most storied franchises in sports.  Its a team that represents so much to so many, with such a unique legacy, [more...]

Date: 2009-01-06 14:27:43

The Best Way To Create Problems For Yourself In Real Estate

Have a "looking for cheap" attitude, especially on services meant to protect you. It's great to have a "looking for value" attitude ... of a condominium and the associated loan. Somebody else might have rebated close to half of the buyer's ... to pay office rent and electricity and all the costs of staying in business for the brokerage. Once [more...]

Date: 2009-01-14 14:40:06

Find the Payday Loans Service in Here!

People will always be tied up by the financial problems no matter how hard they have been trying to release themselves from it ... for the service of the payday loan. And from this website too, people who do not understand why payday ... . So when you are a kind of a person who suffers for such thing, to get the payday loans service [more...]

Date: 2009-01-15 14:52:24

9 Methods for Mastering Your Money in 2009

2008 was a miserable year for money. The stock market tumbled, unemployment soared, the housing market continued to crumble, and retirement savings shriveled away. Whew! Here’s hoping 2009 will be better! But hope can only do so much. Hope cannot bring change. Action brings change. If one of your goals for 2009 is to take control of your money ( [more...]

Date: 2009-01-05 13:00:21

That Makes Me Stabby: Do We Have an Obligation to Spend?

The other day I was watching CNN. (I need to stop doing that. It tends to make me stabby.) ... . I didn’t buy multiple cars I didn’t need. I didn’t let mounds of credit card pile up without panicking ... , not permanently. As I said yesterday, we need to pay down our debt, but the government also needs to fund [more...]

Date: 2009-01-15 01:51:12

The Green shoots Baroness is a disaster for what she does more than for what she says

The Opposition will continue to remind people of the insensitive remarks of Baroness Vadera, ... , private equity injections, demergers and other methods of challenging and changing management ... into base metal. Why on earth didn’t she suggest short term Bank of England loans against security [more...]

Date: 2009-01-15 10:36:43

Turning Resolutions Into Reality in Five Steps

It’s the season of resolutions and goals; as you can surely tell ... off a credit card (maybe your last one), saving money for a house, putting away $1000 a month ... and €500 towards my retirement. I also pledged not to take on any new debt in 2009. Saying [more...]

Date: 2009-01-07 11:00:52

Debt Fraud is Real: What you Should Know

Recent statistics have shown that millions of consumers are affected by debt fraud each year, ... the identity of the debt collection agency. They do not consider the possibility that the whole thing ... with debt scams becoming increasingly common among younger generations. The truth is that people [more...]

Date: 2009-01-16 00:24:21

Kicking Off the Panic of 2009

“Sir, there are no seats left. You’re going to have to stand in the back.” I was only 10 minutes late, but the conference hall was packed. Every seat was taken. The walls were lined with people. At that point, I knew without a doubt, there was a lot more downside left in real estate [more...]

Date: 2009-01-16 01:10:34

Economist Tom Sowell On Dennis Prager’s Radio Show

Dennis: "I am about to speak about one of the clearest thinkers living. One of the top five…" "Allen Estrin, my producer, said America would be different if every college kid read this book. "The first edition of Applied Economics, I asked him if he had a department in charge of naming his books [more...]

Date: 2009-01-15 16:22:12

Forecaster Watts eyes slow recovery for pricier O.C. homes

Eyeball 2009 — two weeks-plus of daily Orange County real estate outlooks — comes to an end this day! (Entire series is HERE!) Hope you enjoyed it! ... get a report from the Orange County Tax Collector letting us know how many homeowners failed to pay [more...]

Date: 2009-01-06 19:00:45

Daily Aid 66: Disappearing scholarships, Great Depression idea that works

Daily Aid 66: Disappearing scholarships, Great Depression idea that works Student Financial Aid News More scholarships are vanishing ... for expanded tuition increases, since most of that will be additional student loan business, but the human ... prudently, endowment declines could trigger a domino effect: Endowments often fund student [more...]

Date: 2009-01-15 14:04:42

Best 0% APR Credit Cards

Gone are the days when you couldn’t walk to your mail box without a credit card offering 0% on balance transfers or 0% on purchases hitting you in the face. With the recent credit crisis and all the bank failures, credit card issuers are holding onto their cards tighter and tighter. Despite the climate, there are still many 0% APR credit cards [more...]

Date: 2009-01-15 12:09:25

Mortgage rates: First-time buyers are missing out on low-cost deals

Nationalised bank Northern Rock announced today it was only passing on half of last week's interest rate cut to its variable rate mortgage ... nationalised last year, is yet to announce its plans. A flurry of new low-cost home loans ... with the bank. Barclays has cut its fixed-rate mortgages to 3.79% for borrowers with 60% equity [more...]

Date: 2009-01-14 15:18:17

What is the value of a day: Surviving No Matter What.

I’m the nuts and bolts guy here.  I don’t have the grace of Greg, the congeniality of Brian or the panache of Geno ... to cover all of my expenses AND have enough to pay taxes? How much cash do I need, per day that I intend to work, to cover cash need, peak experiences AND pay taxes? How many deals/loans/widgets [more...]

Date: 2009-01-09 17:51:16

More on Good Habits for Success in 2009

“Good Habits”. Lets delve a bit deeper: Constantly evaluate everything you are doing Develop the habit of constant awareness and evaluation ... to a car. Learn something every day Some real estate gurus will tell you you need to be entirely [more...]

Date: 2009-01-06 15:55:09

Two years after scandal broke, ‘colossal failure’ in housing authorities is confirmed

Photo by Heath Haussamen The state auditor’s report on massive abuses in the state’s low-income housing projects this week was an expose two years in the making. When the Legislature was discussing comprehensive reform of the state’s scandal-plagued regional housing authorities in 2007, Rep [more...]

Date: 2009-01-15 22:45:59

Compute Your Net Worth Once a Year

The following is a guest post from Marotta Asset Management ... . The storm has blown you miles off course, and not making any adjustments is destined to end ... money would be left if you converted everything you owned into cash and paid off all your debts [more...]

Date: 2009-01-13 17:34:21

Sunday, January 11, 2009

We had quite a treat today. One of our main goals for this trip is to document some of the amazing work that is happening in Kantolomba ... that these would be more appropriately called “home improvement loans” rather than roof loans [more...]

Date: 2009-01-15 20:36:03

Get Real.

Get Real. Posted by Jenny on 01/14/09 in Daily, Friends Do you have any idea what it’s like to wake up in the morning and just be in pain? ... like? I know you know what it’s like to pay rent, pay bills, pay school loans, pay credit cards, pay car ... . But do you know what it’s like to pay for all of that and then be sick for a year. Sick every day [more...]

Date: 2009-01-14 21:04:02

TARP Arm-Twisting Begins Again

The effort to get the second half of the TARP approved (or more accurately, not force Obushma to nix a Congressional turndown) is all feeling a bit Groundhog Day-ish, without the backdrop of a Lehman collapse and AIG implosion to add a sense of urgency and high drama [more...]

Date: 2009-01-08 01:36:06

Common Types of Guaranteed Loans

by Trinity Townsend The term guaranteed loan might mean different things to different people ... for any default on the loan. One very common government guaranteed loan is a student loan ... history. Students can usually receive pretty good interest rates with their student loan as well [more...]

Date: 2009-01-15 20:22:36

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