Duration : 0:0:15

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- The most comprehensive single volume on global environmental conservation and future sustainability.
- Includes the latest data on environmental threats, such as climate change, water use, habitat protection, deforestation and overfishing.
- Full-color maps and graphics are designed to facilitate sideby-side comparisons, empowering readers to draw their own conclusions.
- Brings together information that has been widely dispersed across myriad publications and databases in a format that invites evaluation and application.

Duration : 0:50:19

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Part 7 (Excerpt)

Prices are back to 2003 levels: A Short Sale is significantly cheaper for a bank than a foreclosure

Were in the studio today with Kalyn Roberts and Jeri League of the Dreamvesting Group, these two young ladies are experts in the short sale area, they are NOT going to tell you what you want to hear, they are going to tell you what you need to hear. There is a big difference between what you want and what you need in the case of getting out of a situation. We talked during the break about the different types of people; who qualifies, who doesnt qualify, who this is good for, and who its not good for. I want you to talk about people who are upside down and how youre here to help.

What we want to get across today if you just need to call someone if youre upside down in your mortgage, if you have a listing next door and its a bank owned or short sale, there is a good chance youre probably upside down in you mortgage if you bought anytime in the last, in the last 5 years were almost back to 2003 pricing now.

Just to jump in real quick, Jeri and Kalyn its not just the people who purchased, its the people who used their homes as ATMs which is a crude way for me to say it but lets be honest. You watch the television, and I am not going to name any names, but a company that rhymes with lietech though, they have a commercial where they are showing pictures of using your home to buy a big boat and everybody got sucked into that and now here were.

Yes, if you used your second mortgage to build that big beautiful pool in your backyard, maybe you need to call us. Yes, its unfortunate, we always tell everyone like you just said, everybody got sucked into it, it doesnt mean youre stupid, it doesnt mean you necessarily made a really bad decision. Most people got caught up in the real estate market and good marketing ploys like that, and the bottom line is as we said earlier you dont have to be late on your mortgage payment, you dont have to be facing a foreclosure, if youre simply upside down because you refinanced your home or purchased too recently and the house next door is selling for $100,000 less than yours and you just need to get out of a bad financial situation, youre a candidate for a short sale or even a loan modification.

One of the things about loan modifications that I hear all the time is, and I research other loan modification companies, and what I hear is they are telling people things that just arent real. For instance if your owe $400,000 and your house is worth $300,000 and you want your lender to forgive $100,000 on a loan modification, chances are that isnt going to happen, whereas with a short sale, when youre exiting the property because it just isnt going to work, they would in most cases consider doing that.

Absolutely if that is the market value of your home they are going to consider the bottom line, the banks dont want these properties back, it costs them so much money to go through a foreclosure process and as our prices are falling, monthly, weekly, daily, the likelihood of the value of the property being extremely lower by the time they get the property back is 100%.

In addition to the $60,000 in foreclosure cost, paying real estate commissions and a few other fees is significantly better, because the loss is going to be significantly less with a short sale. Heres a question and I hope that I am not putting either of you on the spot, but suppose the guy owes $400,000 on his house, lets just say its worth $300,000 and you get the listing and this guy is out at a cocktail party and his cousin shows up and says, Ill buy the house from you. Ill buy the house from you, we will make the bank pay the difference and Ill just let you stay in the house. Is that a realistic situation, is someone going to find out about it? Is it good to do that or not?

In real estate, real estate purchases and transactions have to be non-arms length. Now arms length is described as your parents and your children, other than that we pretty much stay out of it because theoretically, yes that could happen, however the banks want to see that the homeowner is not benefiting, so the homeowner would have to become a tenant and be paying rent to new owner at that point. So there are many legitimate situations where you could meet someone who would buy the home and allow you to stay in the home…

Duration : 0:5:53

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Duration : 0:2:21

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For more information, contact:
Help-U-Sell Detwiler Realty
717-241-6060
Help-U-Sell Detwiler Realty

Very well maintained 2 story 4 bedroom, 2.5 bath home with over 2000 sg ft in desirable Heritage Acres. Large kitchen with center island and hardwood floors opens into family room with pellet stove. Formal dining and living rooms. Beautiful fenced in rear yard with enclosed porch and inground pool. Full patially finished basement. Thi shome is a must see!

Duration : 0:1:38

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It’s strikingly unusual, however, for partnerships between builder families to endure for any length of time. The Ruttenbergs and the Superas have partnered on various Chicago real estate deals for more than 6 decades. Mike Supera and Richard Zisook have built together since the mid 60s. Buzz Ruttenberg and Mike Supera each have a son in the business, marking the third generation of each family in real estate. Richard Zisook is himself a third-generation builder and has a son-in-law in the business.

Join me for a brief conversation with Richard, Buzz and Mike about their history and the advice they’d give a buyer in navigating today’s dicey rea estate market.

Duration : 0:5:48

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For more information, contact:
Help-U-Sell Detwiler Realty
717-241-6060
Help-U-Sell Detwiler Realty

Very well maintained 2 story 4 bedroom, 2.5 bath home with over 2000 sg ft in desirable Heritage Acres. Large kitchen with center island and hardwood floors opens into family room with pellet stove. Formal dining and living rooms. Beautiful fenced in rear yard with enclosed porch and inground pool. Full patially finished basement. Thi shome is a must see!

Duration : 0:1:38

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Duration : 0:5:31

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He’s Back!
OMG OMG OMG OVER 30 MILLION RICKROLL’d!

Duration : 0:3:32

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Lifetime in poverty & on welfare as a child and then single mother (one of my children with a disability) to becoming a self made millionaire, owning 13 homes and inspiring people worldwide to do the same.
I was discriminated against, knocked back by banks, financiers, real estate agents, employers and publishers (when I wrote a book). With no formal qualifications, no assets and no means of support, sleeping on a mattress wherever I could find shelter and unable to get my children to school I did something that would change my life. I stopped blaming everybody else and kept getting back up even after one set back after another.
I now have a multi million dollar property port folio, written two successful books ‘Goodbye Welfare’ has a New York publisher & sold worldwide & ‘Goodbye Renting’ Money Magazines book of the month.
My daughter is now doing a double degree in law and is an executive parliamentarian. My autistic son goes to university doing IT and works, even though the government was going to pension him off……but welfare is no longer an option for us!

I’m a Social worker,property investor, manager and author.
I wrote my first book whilst working with homeless and disadvantaged people. I was seeing cyclic generation welfare dependence and couldn’t find anything anywhere that showed them how to break the cycle. I couldn’t get anyone interested in publishing (the audience were poor and unlikely to buy),so I published the book myself. The success stories reached the media and the book has gone into its 5th reprint since 2006.

www/goodbyewelfare.com
www.goodbyerenting.com.au
publicist Miranda Spigener

Duration : 0:4:46

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