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Berkeley CA Homes for Sale Market Comparison Report (December 2009 vs. December 2008)

Berkeley CA Homes for Sale Market Comparison Report (December 2009 vs. December 2008)

We analyze several housing market indicators in order to present an in-depth breakdown of Berkeley Ca Homes for Sale Market comparing December 2008 to December 2009.

Summary of Key Points

Berkeley Ca Homes for Sale market suffered a decrease in home prices however that acted as an incentive for buyers leading to a significant increase in home sales

Median Sales Price (-8.23%), Median Days on Market (-26.86%), and Number of Units Sold (30.77%)

Big Picture: Out of 20 cities analyzed in the East Bay, Berkeley was one of 12 cities that saw a decrease in median home prices and Berkeley buyers used that to their advantage snapping up 30.77% more homes in Dec 09

Berkeley Ca Homes for Sale

The city of Berkeley experienced an 8.23% drop in median sales price from last year going down from $751,333 (Dec. 08) to $689,505 (Dec. 09). In the city of Berkeleys case, the decrease in median sales price spurred a dramatic reduction in median days on market and a comparable increase in number of units sold. Median days on market for a house in the city of Berkeley for December 08 was 43 days compared to 31 days in December 09 and number of units sold have increased from 39 units in Dec 08 to 51 units in Dec 09. It is apparent that the $60,000 drop in home prices caused a ripple in the Berkeley housing market. The drop in prices was enough to cut median days on market by 26.86% and alternatively drove up sales 30.77% by attracting home buyers with lower prices. A similar trend as Berkeley can be seen when analyzing home data for neighboring cities Walnut Creek and Castro Valley. Walnut Creek ca homes for sale saw their median prices slashed by almost 20% but like Berkeley, that in turn caused a drop in median days on market (23.08%) and an increase in number of units sold (5.26%). Same for Castro Valley ca homes for sale drop in median home prices (8.01%) however a decrease in median days on market (46.08%) coupled with an increase in the number of units sold (26.32%).

Own A Franchise Financial Conversations To Have With Your Family Before Choosing A Franchise

Own A Franchise Financial Conversations To Have With Your Family Before Choosing A Franchise

Guest Blogger: Ray Moore, CFE, Vice President of Development, BrightStar

The successful franchisee will first and foremost find the right fit. The right fit may be the one that best fits his or her financial resources and goals. The potential franchisee should sit down with their spouse and family and ask some hard questions. Together they will have to decide what outcomes they need to realize to consider this venture a success. They will have to separate out the must have or non-negotiable outcomes before shopping for a franchise opportunity.

The couple/family should agree to the following each family will have to fill in the blanks according to their own circumstances. Its a good idea to consult an accountant:

1.We will not invest more than $_____ of our cash/liquid capital.
2.We will not borrow more than $______ in additional funds to capitalize the business.

With any start up, business owners need to have enough money, either set aside or in other income, to cover household bills and run the business for 12 to 18 months. The following questions will help determine how much is needed:

3.To make sure we can still live comfortably while growing the business, we will cut our household budget to $ ____ per month for at least ____ months and be sure to never exceed that budget.
4.We will only buy a franchise that we have confidence can get big enough to feed itself, i.e., income (cash flow) will cover monthly business expenses (fixed and variable costs), no later than ___ months after signing the agreement.

With many new business start ups, the owner will not be able to take a salary for 1-2 years. The family needs to know that household expenses will be covered during that time.

5.We will only seek a franchise for sale that we have confidence will be able to pay me a discretionary salary (enough to cover some or all of household expenses) without harming the business no later than ___ months after signing the agreement.
6.We will generate other income of $___ (amount needed to make up for loss of other income and savings budget) from ___ (spousal income, other household income or investments) independent of the new franchise business.
7.We will only pursue a franchise business opportunity that will allow us to have our initial investment back, i.e., pay off the start up loan from business income, in ____ months/years.

These are just some of the items that typically come up, or should come up, during the conversations leading up to buying a franchise. Asking the right questions will get you the answers you need. Ask them of yourself, your spouse, your family, the franchisor and other franchisees so you can get the full picture of what your life will be like while building your business, and what it can be like once you have established your new franchise.

Ray Moore, CFE, BrightStar

What Are the Things Debt Settlement Companies Don’t Tell You

What Are the Things Debt Settlement Companies Don’t Tell You

When badly in need of debt help, some people make impulsive decisions without anticipating possible problems. Many debt settlement companies in the market offer instant debt relief but should you immediately trust them? Lets talk about some basic questions you should research about before signing up for debt settlement.

Is there a difference between debt settlement and debt consolidation? Debt consolidation is a loan used to pay off debt. Afterwards, the borrower is subjected to repayment to the debt consolidation company. The repayment term can last from 5-10 years or more depending on the amount of debt paid. In addition, a loan debt consolidation is secured by submitting your home title to your lender.

Meanwhile, debt settlement is done by submitting your monthly payments to your debt settlement company who in turn, would manage your repayment to your creditors. The debt settlement company usually negotiates with creditors on behalf of the borrower to cut off the debt.

What are the things that debt settlement companies dont tell you?

A debt settlement can work but only if you can assure that youve partnered with the right company. Sadly, some agencies that offer debt settlement services may not be disclosing the real terms to their clients.

A client may think that a negotiation has been reached when in fact the negotiation is still on the works. The borrower may start submitting monthly payments to the debt settlement agency, not knowing that his payments are not being forwarded to creditors at all. Instead, the agency may be using the money to fund its own needs.

Since this type of arrangement can be risky, consumers are advised to consider other possible solutions first. If you feel that you really need the help of a debt settlement company to help you manage your debt repayment, make sure that youve done extensive research about the companys background and reputation.

Work Out Your Own Solution

Trying to recover from debt may not always require the intervention of debt settlement companies. If youre in debt, try negotiating with your creditors first and see if you can come up with an agreement. If youre not sure of what to do, you can also seek advice from a government accredited credit counseling agency on how to negotiate with creditors on your own.

Debt Collection Argentina

Debt Collection Argentina

Debt collection businesses are considered highly profitable but it is tough business to do. Debt collection is a critical process to avoid business losses. It is also not viable for a business group or financial institutions to nag debtors to collect debt amounts. That why Debt collection agencies come into picture and these agencies make sure that debts are repaid. There are lots of debt collection agencies in Argentina who are committed towards their clients globally. Debt collection has even become the perfect free enterprise with safe returns.
It is universal practice among businesses to give credit to customers to earn goodwill and improve sales volume. But if customers do not pay their debts on time or try to get out of paying, debts can turn into a heavy expense and it can damage your business seriously. Bad debts, if not dealt with immediately, can become a black mark on a company’s balance sheet. So for reducing risk, many financial institutions opt for credit management agencies to recover their debts.
There are many advantages to hiring a debt collection agency. With a commercial agency working for your business, you can focus on your business plans without the worry of bad debt accumulation. You can have good customer relationships as collection agencies are professional enough. Another thing you can save the expense of in-house salaried personnel. If you hire a debt collection agency it may happen that it recover the whole debt as collection agencies have the incentive of getting a percentage of what they collect. You need not to bother from legal hassles as the collection agencies are familiar with debt collection rules and regulations.
In the end, agencies help your business in reducing bad debts and improving customer relationships. So the key tom success is to be discreet in selecting a good collection agency for your business. For more information

Getting Legal Help for Mortgage Modification

Getting Legal Help for Mortgage Modification

Apart from losing your property, a foreclosure may also mean a negative impact on your credit score. How do you prevent this from happening? Sometimes, financial problems may lead to failure in mortgage payments that inadvertently lead to foreclosure. In such a situation, a mortgage modification may be an effective solution.

How do you approach this? It is necessary to get advice from a real estate attorney to handle it properly. He/she would have in-depth knowledge of the Illinois laws relevant to the matter. The following tips could help if you are trying to get a modification to the mortgage plan.

Plan every detail. Initially, this was available for homeowners in default, for a period of 90 days. However, nowadays, this is not a requirement. If your financial situation seems grim, it is better to plan even before you actually default on your loan. This gives you enough time to prepare for it.

Get legal advice. Consulting a real estate attorney in Chicago can be of immense help. A legal professional specializing in loan modification may help you with the planning and negotiation. Moreover, he/she could also help you find out the actual lender, whom you have to negotiate with to avoid foreclosure.

Gather all relevant documents. You would need to provide your lender adequate details pertaining to your financial situation, especially the income and expense details. Therefore, you need to gather documents like your pay-stubs, income tax return, savings and other assets, second mortgage or other credit and so on.

Prepare the hardship letter. This helps the lender understand the reason you got into the financial mess. Explain the details of your situation, and the reasons for it, in simple and lucid terms. Do not exaggerate or fabricate. Do not write a very long letter (no lender would have the patience of going through a five page letter).

Negotiate with patience. You can do it on your own if you have enough knowledge and experience. Get your attorney for help if you are not very confident. Do not settle for an amount that you would be unable to pay. Negotiate with the lender in the presence of your attorney. Still better, let the attorney do it on your behalf.

Finally, do not opt for an attorney who asks for upfront fees. You may be in for a shock as many such services are fraudulent. Choose a reputed and reliable legal advisor to prevent the foreclosure.

If you have come across any legal issues and do not know what to do and whom to ask, exploit this Houston Lawyer Directory to hire a professional lawyer to deal with your case.

Bank Bonuses up! After bail out fill’s CEOS pockets

Bank Bonuses up! After bail out fill’s CEOS pockets

How you would feel if you could take home 10 to 15 million as a salary? Just for having a title and being a simple money manipulator. The banks say they need this type of talent (What talent?) to run these banks to make this sum of money they bring in. Imagine did we here the banks in Canada made a mere 140 Billion. Wonder how these guys can sleep at night when there is people they take their homes from and put people out on the streets. Imagine what would happen if you took a ten dollar bill out of the till? Think they would miss it? You’d get fired and they are allowed to take from anyone they choose hundreds of dollars and charge you outrageous sums for service charges. How come they don’t have the heart NOT to through people out on the street? They and the Governments have to be in bed with each other, It’s legal to take a home that some one has been paying for, sell it off for what they owe you and to pocket the “rest?”, But don’t take that 10 dollar bill from the till! Heard the term thieves dressed in flesh? They all fit the bill. No love in their hearts for the one who has been feeding them. They will go to far and cut off the hand that feeds. Wait and see and it will happen and these bankers will all starve! The word of God says people will be throwing their jewelry in the streets for a loaf of bread. Wonder if they’ll realise they are the money manipulators of the death for the majority of the human race? Wonder if they’d be ashamed of themselves knowing this and if they can sleep at night? Most of these types are psychopaths who don’t have a conscious and no real love in their heart. What they have has lied to them all their life. They caused this mess and people will remember. They will not rest, wait and see. Remember to take all you can from the working stiff and cut off the hand that feeds, but don’t take that 10 dollar bill from the till. And they won’t even help stop global warming research, while they live an affluent life of Reilly. Remember to, even when you live in the United States, these affluent soles ( shoe leathered) will close their doors to your money before they will give up their life style. And you will have nothing! Factual! David Chura, research investigator, field of CMA energy, Buy oil support Terrorism or before it’s to late STOP and Prove your not! donating to the middle east terrorist funds! Who supplies their funds for weapons?

Forex Income Engine 2 Review Why Training is SO Important in Forex

Forex Income Engine 2 Review Why Training is SO Important in Forex

Forex Income Engine 2 training is really a necessity for anyone with this particular interest. Forex training is usually beneficial to get a trader, even if he has a couple of months of sensible understanding in foreign exchange marketplace. Foreign exchange coaching is very essential if you want to obtain in to the globe of foreign exchange buying and selling.

Foreign exchange training is available via on-line courses, advanced trading workshops and 1 on one mentoring. Foreign exchange coaching is really a process which demands a continuous work to use the knowledge that will be gathered from studying Foreign exchange buying and selling publications, into practice.

Forex coaching is the crucial to successful Forex trading. The very best location to obtain Forex training is from someone who is currently involved in Forex buying and selling.

Investing inside a high-quality Foreign exchange training is a good stage to turning into a successful trader within the market. The best place to obtain Forex coaching is on-line. On-line method of Foreign exchange coaching is good for newcomer for it assists him to obtain prepared with nuts and bolts of the trading marketplace. The reason that Forex coaching is so important is because the Forex market is extremely competitive and volatile. Quality Forex coaching is the crucial to success.

Investing within the correct Foreign exchange coaching is simply as important because the amount of cash that you simply will make investments in your live buying and selling account. The crucial goal with the Foreign exchange training would be to discover exactly where within the brokers WebPages to discover what info, what the various indicators imply and what indicators to make use of for comparison.

Effective Forex buying and selling begins having a good Foreign exchange coaching. This will save you a great deal lots of time trying to learn it yourself and conserve you a large number of bucks attempting to find the secret formula for successful buying and selling. Profiting and winning in Forex Buying and selling is not rocket science, you just need the right information and strategy to follow.

Cheap Michigan No Fault Insurance Quotes in Minutes

Cheap Michigan No Fault Insurance Quotes in Minutes

Now, where to get the finest Mich no-fault insurance quotes? Seeking online is the selection of activity and is likely the easiest solution to go for most folks. You’ll have the widest collection of insurance companies and filling in forms for estimates will be quicker. The typical idea when seeking Michigan no fault insurance quotes is always to obtain as many quotes as possible. Acquiring an insurance quote is typically free, so go ahead and acquire as many as you prefer. By seeking quotes from several companies you will find out about how much you actually have to purchase car insurance, and then you may select from which company to buy insurance from.

There is another solution, if you do not want to-do all the work of obtaining multiple quotes. You can look for a completely independent insurance agent who is going to do a lot of the work for you. They are going to basically take your info down and look around to find the best offer they can locate for you. It is a great trade off should you not have the time to look for Mich no-fault insurance estimates. There are just several states which have no-fault insurance so far, but it’s a great method which intends to lessen the costs for everyone.

Additional automobile insurance systems generally imply that someone has to go to court to be able to prove who was at-fault in causing the mishap. No fault insurance skips all that mess. Usually what occurs with no fault insurance is the fact that when you enter into an accident, you can’t really sue another party. Your insurance pays for your and another parties insurance pays for them. It’s rather straightforward. In reality, there are certain actions you’ll be able to consider depending in the state, but generally speaking, that is the gist of the situation.

For a free quote call (888) 398-6689 or click here:

Andhra Pradesh State Cooperative bank Recruitment 2013 180 Staff Assistant & Manager

Andhra Pradesh State Cooperative bank Recruitment 2013 180 Staff Assistant & Manager

Sarkari Recruitment Department of Andhra Pradesh State Cooperative Bank Limited has announced the recruitment plans for the month of Sep & Oct, 2013. According to this recruitment plans bank will give a good job opportunity to various candidates for the post of Manager position & Staff Assistant . Total 180 candidates will get job through APCOB Recruitment 2013 project. So today 19th Sep 2013 bank open online recruitment application registration at their website www.apcob.org and Interested candidates can apply for this job till the last date i.e. 9th Oct, 2013. Candidates can see all the important information, instruction, terms and conditions in this post, so kindly read it carefully.

Job Description of Andhra Pradesh Cooperative Bank (APCOB) Recruitment 2013

Total No. of Jobs: 180 Name of Posts : Staff Assistant

Manager (Scale I) No. Of Posts : 130 Posts

50 Posts

Age Limit: Applicants age is required between 18 – 28 years as on 1st Sep, 2013 . and for SC/ST/OBC Applicants have no restrictions regarding age limits as per government rules.

Education: Applicants should have completed the Graduation in any stream from recognized university.

Qualification: Applicants should have completed the Graduation in any field for the Post of Staff Assistant and For Manager Applicants should have completed the Graduation in any stream with 60% marks and if applicants have completed the graduation in B.Com, so they required at least 55% marks and Having knowledge of Telugu & English also required.

Application Fee: Rs. 400 for General Category/Other Backward Category & Rs. 50 for SC, tribe, physically challenged and ex-servicemen.Applicants can pay in two ways online or offline through the State Bank of India.

Selection Process: Online Test & Examination.

Application Process:

Application for Andhra Pradesh State Cooperative Bank (APCOB ) Recruitment 2013, registrations open, So kindly visit official website: .

Here are some Important Dates Dates of Online Registration : 19-09-2013 to 09-10-2013 Dates of Offline Payment Submission: 21-09-2013 to 14-10-2013 Dates of Online Payment Submission : 19-09-2013 to 09-10-2013

Date for Written Test Tentative Staff Assistant: 17-11-2013 Date for Written Test Tentative Manager: 16-11-2013

More Jobs Updates for Sarkari Naukri, Government Jobs and Private Jobs,In govtjobsportal anybody can search Jobs, , Jobs India, Recruitment in Railway, , Teacher Jobs, Recruitment India, Jobs In Bank available at govtjobsportal.com.

Why opt for Binary Option Signals in Market Trading

Why opt for Binary Option Signals in Market Trading

Trading in the stocks, forex, and precious metal market has changed dramatically since the introduction of binary option signals. People no longer trade on the basis of luck like in a betting website but rather make informed decisions on when to make that call to trade based on market signals. In the past decade since the binary options systems were first introduced, several rules and regulations, and modifications, have been introduced owing to the large number of people using these signals to trade and these have made the platform an ethical and fair playing ground. People still access previous trading ideas and expertise and combine these together with binary platforms to minimize risks and maximize profits.

What makes the binary option more feasible is that the trader is better cushioned from losses unlike in a betting website. It always risky to trade in the international market without adequate market behavior knowledge; some have done this and lost colossal amounts of money while at it. Binary options signals are provided by experienced market professionals who are able to study market trends and political situations and are then able to relate to how they will positively or negatively affect the market thus advising recipients of these signal when to or not to trade.

Binary options signals systems draw their name from the logical one and zero used in computer systems, and in trading they mean that one can get everything or absolutely nothing. These signals enable traders to follow the right direction of the market. Professionals supply these signals to traders who are ready to pay for them and therefore traders no longer have to sit behind their computers studying the market trends. You only need to subscribe to the services of these professionals who usually have websites from where to quickly distribute signals indicating when it is best to trade. With these signals you have functional information to guide you on what market to trade in and the best time to do so, much unlike gambling on a betting website.

With most trading being conducted via the internet nowadays it is easy to get started on market trading as suppliers of binary option signals are mainly based online. The market professionals study the various market forces, process/consult on the indicators, and send the signals to the subscribed customers via SMS messages and emails. These are the call-to-trade messages telling the subscribers to trade in a particular market which will result in huge returns. One can now earn money somewhat easily and with minimal risk in market trading courtesy of binary signals unlike depending on a betting website where risks abound.