Here are the most recently release numbers outlining the Facebook vs Internet user reach. Note that Washington DC has a 160% penetration. This implies that federal agencies and politicos are running multiples of themselves on Facebook.
Thursday, October 28, 2010
United States Internet and Facebook User Statistics
United States Internet and Facebook User Statistics
Wednesday, October 20, 2010
Gmail - ReverseIQ: Analysis from Reverse Market Insight for 10/20/2010 - belgeri@gmail.com
Gmail - ReverseIQ: Analysis from Reverse Market Insight for 10/20/2010 - belgeri@gmail.com
As we dive deeper into August’s year to date results, an interesting city stands out this month, similar to how Baltimore bucked the trend earlier this year. Many areas of the country are still fighting their way back from low volumes in the past year, but Philadelphia has recovered faster than many others. It’s the only city in our top 10 this year that is growing year to date (+4.3%). Check out the cha
Thursday, October 14, 2010
FBI Reports a Nationwide Increase in Mortgage Fraud Investigations - EIN News - News Media Monitoring
FBI Reports a Nationwide Increase in Mortgage Fraud Investigations - EIN News - News Media Monitoring
October 14, 2010 /24-7PressRelease/ -- Once the dust had cleared from the recent economic collapse, the media focused a great deal of blame on one group: financial professionals involved in real property transactions who were accused of fudging documents, lying to buyers, falsifying appraisals and other illegal activities. New data from one federal agency reveals a growing interest in investigating all types of mortgage fraud and helping the Department of Justice pursue convictions.
The latest annual mortgage fraud report from the Federal Bureau of Investigation (FBI) reveals that the agency has taken a greater interest in crimes involving financing of homes and other real estate. From 2008 to 2009, investigations rose over 70 percent. The stakes are high: two-thirds of pending investigations during 2009 involved losses totaling more than $1 million....
Tuesday, October 12, 2010
Homebuyer tax credit: 950,000 must repay - Sep. 9, 2010
Homebuyer tax credit: 950,000 must repay - Sep. 9, 2010
NEW YORK (CNNMoney.com) -- Nearly half of all Americans who claimed the first-time homebuyer tax credit on their 2009 tax returns will have to repay the government.
According to a report from the Inspector General for Tax Administration, released to the public Thursday, about 950,000 of the nearly 1.8 million Americans who claimed the tax credit on their 2009 tax returns will have to return the money
Friday, October 8, 2010
Pathways for Change
Pathways for Change
This is a preview article from the Fall 2010 issue of Americas Quarterly (release date: October 25, 2010), which will feature articles from top experts on the economics, politics, challenges, and advances in education in the Western Hemisphere. Subscribe to AQ. Or, read more about the Fall issue.
Education entrepreneurs can positively influence educational reform in a number of ways. But regulations, inertia and a culture that discourages entrepreneurship are choking off initiative and broader change.
The celebration of two centuries of independent republican life in Latin America is an appropriate time to assess past achievements, current challenges and future opportunities. Nowhere is that critical examination more timely and necessary than for the educational institutions that were created precisely to prepare Latin American citizens for self-rule. Schools and universities in Latin America were reinvented after independence to allow the new independent political order to flourish.
Unfortunately, politics, economics and excessive bureaucratic regulations have failed the original intentions of the region’s educational founders and stifled innovation.
It’s useful, as a start, to reexamine those original intentions to remind ourselves of what still needs to be done. Francisco de Miranda, Simón Bolívar, José de San Martín, Miguel Hidalgo, and José Artigas shared many of the ideas of eighteenth-century Enlightenment thinkers regarding the role of education. They were aware, for example, of the views of Jean-Jacques Rousseau regarding the role of education in supporting the legitimacy of a social contract of rights and liberties, and in maximizing human potential.
Social Networking - Add-ons Gallery
Social Networking - Add-ons Gallery
Saving time tools for the Internet Explorer user world. In this case I’ve used “Windows Live” Journal system to feed my Google Blogger…
campbellsurveys.com/REAgent1008/HousingTrendsUpdate_Sep10.pdf
campbellsurveys.com/REAgent1008/HousingTrendsUpdate_Sep10.pdf
The financially capable home buyer is low balling the undistressed.
The investors are buying more and more.
First time buyers are hard to find.
That about sums up the pdf.
Monday, October 4, 2010
HECM Saver > Low-Cost HUD Reverse Mortgage
HECM Saver > Low-Cost HUD Reverse Mortgage
Somebody really screwed this up. While the Gov still offers the Standard Home Equity Conversion Mortgage Purchase, it seems that isn't all. Now they are offering one that gives you less money and you are suppose to be happy to do it. go figure.
I don't think that the government nor the mortgage industry truly understand who is turning to the Reverse nor why. First the mortgage industry hasn't effectively brought the Realtor on board for the marketing of the golden fleece (pardon the metaphor) of the FHA product-HECM Purchase. Second, the average age of RM users has dropped to 62 and finally most RM users are taking the credit line (66%).
These three facts are not disputed and they have significant meaning.
No Realtors
In 2009 there were 105,000 reverse mortgages of which 1,205 were Purchases. So what? Well that means the 1,205 Baby Boomers bought retirement homes for about 48 cents on the dollar. They created a hedge agains the depreciating home value and alleviated the losses from the sale of their home in that purchase. Pretty brilliant financial move I'd say.
Boomer Realization.
In June the Bank of America announced that Reverse Mortgage users' demographic had fallen from an average of 77 year olds down to 62 year olds. Considering the fact that there are 8,000 people turning 62 every day in the U.S. that would normally bode well for their industry. The facts speak otherwise however since RMs are basically falling down through the basement floor (-62%).
Credit Line option.
The myth of the Reverse Mortgage is that it is for desperate people, seniors with fixed income but some remaining credit. If that's the case then why is it that 66% of all Reverse Mortgages are "Line of Credit" buyers. Could it be that taking a line of credit and NOT TOUCHING THE PRINCIPAL might be creating a natural hedge against inflation? You can take that to the bank. Consider that a Boomer who takes a $350,000 Reverse Mortgage Line of Credit today at the age of 62 and leaves it alone will be looking at a $600,000 plus credit line at the age of 72.
The HECM Saver is the governments answer to nothing. Boomers need to treat the Reverse Mortgage like they are looking at Social Security--get it now before some idiot in congress tries to take the money for a bridge remodel for his buddies back in hornswagle county...
Hometown Station AM 1220 - Santa Clarita Radio - Tax Changes Worth A Closer Look
Hometown Station AM 1220 - Santa Clarita Radio - Tax Changes Worth A Closer Look
| Tax Changes Worth A Closer Look |  |  |
| Sunday, 03 October 2010 12:00 |
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Currently, capital gains tax percentages for Santa Clarita Valley residents are at historic lows. This tax break applies to all United States citizens, but it may not last much longer. Capital gains tax rates are generally much lower than taxes on regular income, making them especially appealing.Qik to YouTube and then on to Cooliris
www.qik.com is an awesome tool which will allow me to simultaneously deliver live content from the field and store that content into both youtube and other social media for automatic posting in other places. It should (I'll find out today) also give me a means to pull the audio of recording GCs, edit the sound to text and then push it back through BuilderWerks for the property managers of the world.
layouts have their issues.
The previous posting was a test (and it didn't work very well) of my ability to pull content out of a secure web page. That content was a form developed by Coldwell Banker.
New Aging Explores Trajectory of Science, Aging and Architecture for Senior Housing
New Aging Explores Trajectory of Science, Aging and Architecture for Senior Housing
New Aging Explores Trajectory of Science, Aging and Architecture for Senior Housing
October 3rd, 2010 · No Comments
What is necessary to live longer besides a better living space? Eat less and exercise more according to presenters at the New Aging conference held last Friday and Saturday at the University of Pennsylvania School of Design. The conference brought together a number of senior living architects and industry participants from across the Mid-Atlantic, Northeast and a variety of international locations such as China, Japan, Germany and the United Kingdom. The architecture conference, with over 200 attendees, had academics, architects and civilians explore ideas on the process of aging and how living spaces will be designed or redesigned to meet the needs of an aging global population.
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