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Is the Housing Market Rebounding NOT! But why the higher prices

Per an article published by Reuters on Dec 3rd, 2009, the U.S. Housing Crisis is FAR FROM OVER. Mark Zandi is the Chief Economist for Moodys Economy.com. He states the home prices will continue to decline with the large number of foreclosures that will be filed in 2010 and increased buying will continue to occur. Here is a quote from Zandi explaining why home prices have been rising in the past couple of months:

“Home prices in many regions have been rising. That is because foreclosure sales fell over the summer and fall as mortgage servicers have tried to put stressed

homeowners into the Home Affordable Modification Program and other modification plans,” he said.

“This lull in foreclosures sales has resulted in the price gains in the past few months,” he said.

“Foreclosure sales will increase, and home prices will resume their decline by early 2010 as mortgage servicers figure out who will not qualify for a modification,” he said.

So dont even give a thought or a even a slight hint the the housing market is rebounding. Based on Zandis assessment, what this data is really saying is “Buyers, prices are set to go lower next year! Buy Low, hold, Sell HIGH!”

Other reasons why buyers have been out in droves is due to the continued low mortgage rates and the extension of First Time Home buyers tax credit. If you are thinking that you do not qualify for this credit because you already own a home at some point in your lifetime, think again! Based on Obamas First Time Home Buyers tax credit definition, you qualify for the tax credit if you have not owned a home in the last 3 years! But do not be fooled!!!!! This credit needs to be paid back in the future, it is not free money. (For more information on Obamas First Time Home Buyers Tax Credit initiative, check our blog titled “The Real Deal of Obamas Home Buyer Tax Credit”

Also, Zandis following comments is exactly what WHB Solutions have been predicting for short sale opportunities in 2010!

“With so many homeowners so deeply underwater and unemployment very high and on the rise, the foreclosure crisis will continue putting more pressure on home prices,” he said

Well, okay, its not like its rocket science, we know its common logic to make the above prediction. FYI Zandis forecast for the unemployment rate is that it will peak at 10.7 percent in the third quarter of 2010. Lets see how true this will hold. Previous predictions by various economist that unemployment would not reach over 10% until 2010 was already proved untrue in October of this year.

Full Article Resourse: www.whbsolutions.com/blog/

What Are FHA Housing Loans

FHA Housing Loans are low down payment loans guaranteed by FHA. FHA is an entity of the United States government that provides mortgage insurance for FHA Approved Lenders.

The main reason lenders would lend to home buyers that only have a small amount of money for a down payment is the FHA takes away much of the risk to the lender. If the FHA Housing Loan defaults then FHA will reimburse fully the amount of the loan to the lender. Because of the government insurance the lenders are willing to give more lenient terms to the home buyer.

FHA Home Loan Program is geared towards people with less than perfect credit and higher debt-to-income ratios. You can get a good idea what your debt-to-income ratio is by taking all of monthly debt payments such as car payments and credit card payments and dividing the total amount by your monthly income. This is your debt-to-income-ratio.

If this number is close to 30 to 40 percent then there is a good chance you will qualify for a FHA Housing Loan.

Currently the FHA Housing Loan down payment requirement is only 3.5%. Most conventional loans require up to 20% down payment. Also, you can ask the seller to pay most of your closing costs. And like I said above, your credit does not have to be perfect.

You can get more FHA Loans Information by clicking the links at the end of this article.

FHA does not lend out the money for the mortgage, they only guaranteed the amount of the loan. It is not hard the found a lender that will do a FHA Housing Loan, there are many throughout the United States.

The FHA generally helps low-to-moderate income individuals get mortgages, but one should be clear that it is not actually the FHA that loans out the money. In order to get the benefits of a FHA loan, you must find a lender who is approved to make FHA loans.

Normally it does not take any longer to secure this type of loan than a conventional loan. Usually you can close with 30-45 days.

One disadvantage is the home buyer has to pay private mortgage insurance. You will have an up-front amount that can be rolled back into the mortgage and also a monthly amount that will be included in your monthly mortgage payment.

FHA Housing Loans have become the only low down payment option available in today’s housing market. They have become very popular and they may be the only way that you can get a mortgage for your dream home!

Mudumalai National Park and Wildlife Sanctuary

Mudumalai is famous for housing the Mudumalai National Park and Wildlife Sanctuary, which make a very lucrative tourist destination and thus attracting tourists from all over the world to wish to experience the peaceful surroundings of the forests, which also house the Mudumalai Hotels and Mudumalai Resorts. You can also enjoy Mudumalai Homestay , which makes your Mudumalai Holidays truly memorable. >

Mudumalai is a great place to have outdoor picnics, and enjoy the night around while you enjoy a Mudumalai Campfire and a Mudumalai Bonefire. You can live in the tree houses made of bamboo sticks and wood and stay up at night to listen to the wild animals around you. It is perfectly safe to be here, if being in the heart of the forest bothers you. Mudumalai is also famous for its fruits, and you can get any kind of fruit juice in the resorts and hotels at any time of the day you order, and they are absolutely delicious.

Mudumalai has a tiger reserve and you can go watch the wild animals in the buses that the reserve provides for sightseeing of the jungle cat. The buses are perfectly safe to go in, and they are fenced with iron wires that are difficult to break in for the tigers. Mudumalai Trekking is among one of the best things to do while you stay there. The services available in such a wilderness makes the trip even more enjoyable and worth remembering. You should visit Mudumalai at least once.

Why should you visit Mudumalai:

1. Mudumalai is situated in Tamil Nadu in South India and is a city in the North-West side of the Nilgiri.

2. Tourists visit Mudumalai because they wish to admire the exotic plants and animals that are in the reserve, and live in amongst nature and breathe the fresh air they are so devoid of in their cities full of pollution. Among the animals, the gray langurs and bonnet macaques are two amazing and notable exotic species that you can find in the hilly areas of the Mudumalai. You can also find animals like tigers, golden jackals, leopards, striped hyenas and the Asian elephant in the wilderness.

3. You can also find many exotic and interesting birds that live in this area, and this is the perfect place to do bird watching. Especially, if you wake up early in the morning, you might find the exotic birds in flight, and that is a very rare and amazing sight. Birds like Malabar Trojans, crested hawks, Malabar grey hornbills, crested serpent eagles, and really rare striped tit-babblers can be found in this place.

4. Mudumalai is a very popular tourist destination because the Mudumalai National Park is located here, and it was founded in the year 1940. It is because of this National Park, that the exotic wild animals and birds are protected.

Garden Water Fountains Add Serenity To Any Space

The sound of moving water has a way of calming people that no other sound can duplicate. Its a primal sound that takes us to peaceful and safe feelings. It has even been proven that sitting next to fountains, streams or any running water source can lower blood pressure and reduce the effects of stress in our lives. Its easy to create a haven in your own backyard with garden water fountains that can be incorporated into any garden design.

There are lots of advantages to having a water feature in your garden space. Besides creating a serene place to go and relax, it will attract lots of different wildlife that can be interesting and fun to watch. Garden water fountains can be a source of drinking water for birds, turtles, frogs and even larger animals that happen to wander by. Some types of garden water fountains will have a reservoir of water on the ground that the water from the fountain circulates through and the sound of the water trickling down into the pool will draw living things to it like a magnet. This can be a delightful added garden pleasure for those who enjoy watching birds and small animals.

Garden water fountains can also make an attractive ecosystem for marshy plants such as water lilies, floating heart or azolla to name a few. By having garden water fountains that circulate water through a water garden, you can create a special little place where the plants will thrive and add a unique feature to your garden space.

There are garden water fountains to fit any taste and size garden available from lots of different sources. If you are new to water gardening, you may want to start small with a ground model fountain that is easy to install and maintain. But if you want to use a fountain as a centerpiece for your backyard or a single garden space, there are large models available that are made from a variety of natural as well as man made materials to choose from. If you want something that is easy to maintain and perhaps take in for the winter in cold climates, there are some excellent fiberglass fountains available that are made to look like natural stone or concrete. The advantage is that they are lightweight and easy to install.

You can create a peaceful haven using beautiful garden water fountains and lush plantings of flowers and foliage species. Even doing gardening chores and upkeep in a space like this can be a pleasant and relaxing experience that can reduce stress and improve quality of life. Listening to the sound of the trickling water, smelling the earth and plants that are growing out of it are all sensory rich experiences that we need to balance our busy lives and having a beautiful garden that you love can be a great place to re-center and balance your life.

Noida – An Excellent Option Residential Homes Investment

Noida as a potential residential home location is actually quite a good choice considering its strategic location. Noida is definitely an excellent option for those who are looking to settle down close to Delhi, the national capital. Delhi, being the capital city is quite important from both commercial as well as cultural point of view. And to stay in touch with all major events going on or coming up in Delhi, you better settle down close to NCR.

Noida is well connected to every important location in NCR either through road, or through Metro. The DND flyover reduces the distance from Noida to Delhi quite significantly hence reducing the traveling time for the commuters and making life much easier for them. The metro facility is quite a boon for office goers who travel to far off distances from their homes for their daily jobs. Greater Noida is also quite close thanks to the Yamuna Expressway which has wide and clean roads. The city’s infrastructure is quite well planned by its well managed city administration.

Considering all the positives of settlement in Noida, it has now become a preferred city where one can book their own residential properties in Noida and settle down. Even for people having a budget constraint, there are quite a good number of options in Noida as well as Noida extension. Residential apartments in Noida are quite affordable as compared to similar properties in Delhi. Since the beginning of the real estate development in the Noida city, a number of developers have initiated residential projects with a view to meet the growing demands for the affordable homes by people in all class. A number of organized housing societies have been planned to bring an overall improvement in living style along with the improved comfort levels. Developing a well planned township is quite a challenge while causing minimum damage to the environment. Using latest techniques of construction as designing earthquake resistant structures have proved to be quite a significant achievement in effective disaster prevention and management.

For low budget options, there are a number of projects offering 1,2 and 3 BHK flats in Noida Extension which are quite a deal considering Noida Extension is also quite close to Noida and the living environment is much cleaner and greener which most of the home buyers would prefer as one of their priorities in the list of must haves in a property. Residential plots in Noida Extension are another option for settlement plans. You can book your own plots here and start construction as and when you wish to. In fact, this has emerged as a popular option for people who cannot invest a big amount immediately.

There are a lot of positives in Noida real estate market, all you have to do is identify the right option and make a suitable decision which would benefit your coming generations.

Colour Coordinating Your Curtains To The Rest Of Your Room

When you are decorating a room it is imperative to colour coordinate the colour of your curtains with the rest of the room. The curtains are generally easy to change and are chosen first when the room needs a new look. There are several things to consider when choosing the right shade of curtain for your room.

You have to consider the wall colour when you are coordinating your curtains with the room. The curtains are much easier to change than the wall shade. Coordinate the curtains with the paint colour on the walls. You can do this easily by taking a paint sample with you when curtain shopping. Remember that the paint is a shade darker on the sample so your curtain should be a shade lighter to have it as a match for the wall.

You should also consider the other colours in the room. Look at the furniture and the artwork you have on the wall. Do you have neutral or dark colour? You have to consider the room as a whole before choosing the right curtain for the room. It is just as important to match the curtains to the furniture as it is to the wall.

Remember the power of three. Every room should have three primary colours that are being used. The curtains that you choose should be one, or all, of these three. They should blend well together and are the focal point of the room. They will create the mood in the room and will make a difference in the theme of the room. Make certain that your colours and theme are apparent and all of your elements are coming together in a fluid way. Within these three there needs to be an anchor colour or one that brings it all together. Your curtains need to reflect this.

When you have a scheme but you need something else to balance it all out you can add neutral colours to your array. They are considered to be the peacekeeper because they bring everyone together in harmony and balance. When in doubt, use a neutral colour.

In many rooms such as bedrooms, kitchens and bathrooms you may have a theme instead. You could even have a theme in addition to your colours. The theme needs to be considered when you are choosing the appropriate curtains. Your curtains need to support the theme too.

Coordination of your curtains is very important in making your room and supporting your theme. People are drawn to the curtains and they can add ambience to the room. Your curtains need to be a focal point in the room and reflect the personality and the colour combinations that you have chosen. Your home is a reflection of you and your curtains are an important part of your home. Curtains are no longer just a window treatment to block or allow light. They have become an essential part of decorating any home.

Tax filing Ozone Park Where in the Tax bracket you fit as per your filing status

Filing status is an important factor as this determines which tax bracket you fits in and how overall taxation process will progress. The taxes New York city has to pay may vary according to the tax filing status.

Tax filing status depends on :

A.Marital status

B.Family situation

There are five Tax filing status

1)Single

If someone is unmarried , divorced or legally separated according to state law on December 31st that person must file as a single person for that year.

2)Married filing jointly

This applies to a person’s marital status on 31st December . If you are married and file a joint tax return than your tax may be reduced .For filing a joint tax return, both spouses must report their income , deductions and credits . This is an example of one convenient way New York Taxes can be paid.

3)Married filing separately

Tax filing Ozone Park separately creates a different situation for both people filing for tax. There could different tax brackets for tax filing separately .This sort of tax filing ozone park provides few benefits and is suitable only in such situation if each individual wants to be responsible for their tax filing. This type of tax filing Ozone Park is less beneficial , when doing so you cannot claim for these

a.Tuition and fees deduction

b.Student loan interest deduction

c.Tax free exclusion of US bond interest

d.Tax free exclusion of social security benefits

e.Credit for elderly and disabled

f.Child and dependent care credit

g.Earned income credit

h.Hope or lifetime learning educational credits

4)Head of household

If you are unmarried and pay more than half the maintenance cost for oneself and some a dependent. Filing as a head of household has many benefits rather than filing as a single status. New York Taxes can get tricky when you qualify for more than one Tax bracket.

5)Quality widow or widower with dependent child

If the tax payer’s spouse has died during last two preceding years and he/she doesn’t remarry during this duration then they may file for New York taxes as this status .After two years one may file as head of household if not married till then.

Low Cost Garden Design Ideas You’ll Want To Try

Are you looking for low maintenance and low cost garden design ideas? Choose a perennial garden that will greatly reduce your weed pulling and watering chores. Perennial flowers complimented by evergreen shrubs are a great choice for gardeners on the go. This combination allows anyone to cultivate a beautiful landscape with lots of shortcuts and is one of the best garden design ideas.

Selecting A Site For Your Garden

Selecting a site will be the first crucial step in planning a thriving perennial garden. Be aware of your ecological conditions to determine where an optimal site might be. The ease of access and visibility from the street, as well as within the home are factors to be considered.

Who says you have to build big? Forget all the stereotypes; not every beautiful garden consists of neat rows of cascading flowers and rows of shrubs. Get creative.

You may also want to use common sense when planning your garden; how much time can you commit to pruning, watering, and fertilizing? When looking to develop a low maintenance garden, it should be functional yet simple to maintain. Keep in mind, bigger is not always better. The smaller your garden, the fewer plants you must take care of.

Easy Use Landscape Fabric

When you begin a new perennial garden, spread a nonwoven polypropylene black landscape fabric over the soil. The fabric will keep weeds under control, embrace heat during cooler weather, and will allow the water to soak to the roots more efficiently.

Stop by a local gardening center and buy the non-biodegradable fabric that only weighs about 3 ounces per square yard. Use a few u-shaped metal stakes to hold down the fabric.

1. Measure your proposed planting site and keep in mind plants will spread out.

2. Break up any compacted soil and remove any weeds. Mix peat moss and composted manure into the soil if necessary.

3. Lay down the landscape fabric and secure the corners with metal stakes.

4. Get a bit creative by drawing a pattern or paths onto the fabric with chalk. Cut out the pattern you have drawn to display holes. This is where you will place your evergreens, seeds or plants, into each of the holes.

5. Space plants according to the recommendations on the labels. For a no-fuss garden, choose drought resistant plants, then fill in and cover completely with mulch.

6. A beautiful, healthy perennial garden requires water, fertilizer, and mulch. If you nourish your garden with time-release fertilizer it will continuously feed your plants for longer periods of time.

Developing good garden design ideas will surely provide years of beauty and enjoyment for you and your family.

Kasturi Epitome Housing it takes you joyful journey of life at Pune

Kasturi Epitome Offers exclusive 4 BHK Residential Apartment with high class Luxury services like fast possession Reliable services to the customer and flats contains luxury interior decoration and the furnishing of the flat exclusively design by the experienced Interior designer, and the area of apartment 2350 sq ft. This best accommodation assignment offers sumptuous Flat with excellent infrastructural devise and stipulation that meet up nowadays current stylish appear for the regal house. Kasturi builder is the mainly famous Identity in to the real business which offers dependable service and fast possession of project to their customer. Kasturi Epitome is a very affordable inventory of Pune which consistently design under the India’s famous Real Estate developer kasturi builder in upcoming days it also increase their customer service and all the interiors. Kasturi Epitome Residential housing takes You in to the Memorable and joyful journey of your life which all the dream comes true in the form of way of life at project it make assured you feel like a living into the heaven and magical moment of your life becomes more magical and joyful, so there in no doubt to invest your money in to the kasturi.

External Amenities: As we discuss above it sure Kasturi Provides you unique and Exclusive features in your journey of life in Kasturi among of them are as fallows Swimming pool, 24X7 Security, kids play area, party lawn, club house, walking park and also many more which contains all your glorious moment with in the project .

Why Kasturi Epitome? The main question arises here why we should have to invest in Kasturi Epitome, answer is not only depend of their features it depend on the way of life, Reasonable price, fast possession and the main thing to invest in Project that builder provide steadfast services to the clients, which is most important to any deal and also very Significant for a Successful business so we grant only reliable and secure service to the buyer.

Kasturi Developer: Kasturi builder India’s most outstanding Real Estate Company which always bring affordable flats in to the Pune’s real Estate market,As an excellence brand, we try to achieve brilliance in all our activities, our desire for knowledge and newer methodologies help expand our horizons, we place in in improving the quality of life in our civilization.

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