ࡱ> MOJKLM bjbj== "2WWlD$Yt&$ /NDDDDDDDh ˧_݈@)0Y}.}D(X@ INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/homeimprovementguide/10cheapies1.asp" \t "_blank" Ten Cheap Ways to Increase the Value of Your Home - You don't have to spend a fortune to make that run-down pad look like a million bucks.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20060427a1.asp" \t "_blank" The Case for Rental Revival - For small investment units, demographic and economic indicators point to an improved rental market for the next decade.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20060511a1.asp" \t "_blank" Pricing Your Home at the Top, But Not Over the Top - Pricing it lower than it should be is cheating yourself, but going overboard can lead to no sale at all.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/reminiguide/cash1.asp" \t "_blank" Is it Time to Cash Out? - With real and perceived threats hanging over home equity nest eggs everywhere, many ask if they should take the money and run.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/insurance/20060502a1.asp" \t "_blank" Time to Review Your Home Owner's Policy - If you haven't looked over your homeowners coverage since the Clinton era, you're long overdue for a thorough review. Chances are, your policy's a real nail-biter.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/itax/tax_adviser/20060504a1.asp" \t "_blank" Hindsight and Capital Gains Taxes - You could have avoided paying capital gains taxes on the sale of your property if you had entered into a like-kind exchange before you closed the deal, says CPA George Saenz.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/mortgages/20060427a1.asp" \t "_blank" 50 Year Mortgage Debuts in California - The Methuselah of mortgages has arrived: the 50-year home loan.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/mtga/20060427a1.asp" \t "_blank" 30 Year Mortgage Rises Fifth Week in a Row - Americans feel confident about their futures - more bullish than bond traders had expected. High spirits translate into higher mortgage rates.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20060424a1.asp" \t "_blank" Discount Brokers: Does Less mean More for You? - Discount real estate brokers have proliferated nationwide. Are they discounting their fee or the service they provide?  HYPERLINK "http://www.bankrate.com/baw/news/loan/20060413a1.asp" \t "_blank" A Home Equity Line of Credit Plan of Attack - As interest rates rise, people with a home equity line of credit wonder what to do: Keep it, and risk more rate hikes, or pay it off by refinancing.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/homeimprovementguide/resales1.asp" \t "_blank" Top Renovations for Boosting Sales Price - If you're planning to sell the farm, you can grow the price and harvest a windfall with these five projects.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/itax/tips/20030219a1.asp" \t "_blank" IRS Names Autos Eligible for New Tax Credits - A new law could mean big tax savings if you purchase one of these hybrid vehicles this year.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/homeimprovementguide/tableofcontents.asp" \t "_blank" Home Improvement Guide 2006 - Remodeling and improving our homes has become a national pastime. This guide takes you through it step by step.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/homeimprovementguide/diy-mistakes1.asp" \t "_blank" Top 10 Mistakes of DIYers - Knowing what you can do and what you can't tops the list of the biggest and most common mistakes weekend warriors make on home projects.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/homeimprovementguide/trends1.asp" \t "_blank" Trends in Home Improvement - New studies show landscaping and more elaborate kitchens top the home improvement want-list as Americans spend more and more to remodel their homes.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-http://www.bankrate.com/baw/news/real-estate/20060330a1.asp" \t "_blank" Flipping Houses for a Living is a Real Trick - Many Americans try to do it, many more talk and dream about it. Is it a realistic way to make a living?  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/reminiguide/moves1.asp" \t "_blank" On the Bubble? Heed these Do's and Dont's - If you really think you may get hurt in a real estate bubble burst, following this advice could minimize the damage.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20060324a1.asp" \t "_blank" Want Lower Rent? Think Like a Landlord - Study the market so you'll know how strong your negotiating position is.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/debt/20030228a1.asp" \t "_blank" 5 Stupid Tax Tricks - Owe the IRS? Then take these steps to make a bad situation worse, says the Debt Adviser.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/itax/tips/20050218a1.asp" \t "_blank" Purchases Could Provide a Tax Advantage - Did you buy a lot of stuff last year? Your sales taxes now might help reduce your income tax bill.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/itax/news/20060306a1.asp" \t "_blank" 13 Basic Tax Lessons - Knowledge is power that can help you strategize and ultimately cut your tax bill.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/itax/news/taxguide/tableofcontents.asp" \t "_blank" Ready to Work on Your Taxes? - Tap our 2006 tax guide for ways to reduce your tax bill, and for links to all the forms you'll need to file.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/reminiguide/prison1.asp" \t "_blank" Ballooning Equity Doesn't Mean You're Rich - Many homeowners may feel they've gotten rich from skyrocketing appreciation, but where and how can they spend the money?  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/itax/news/20060306a1.asp" \t "_blank" 13 Basic Tax Lessons - Knowledge is power that can help you strategize and ultimately cut your tax bill.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20060302a1.asp" \t "_blank" Baiting Buyers in a Cooling Market - Seller concessions can help seal the deal, but watch out for lender restrictions.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/itax/tips/20010302a.asp" \t "_blank" Let Uncle Sam Help Pay for Your Move - Americans have always been mobile, and the tax code encourages that restlessness with a deduction for moving expenses.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/reminiguide/appreciate1.asp" \t "_blank" Despite Bubble Talk Home Values Keep Rising - Latest figures from the National Association of Realtors show home prices continued to rise in the last three months of 2005 with only a modest slowdown.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/pf/20060215a1.asp" \t "_blank" How to Organize Your Financial Paperwork - Professional organizers give their insights on how to control clutter and create a filing system that works.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/itax/tips/20010115a.asp" \t "_blank" Social Security May be Taxable - Don't let your retirement be spoiled by unexpected taxes. Know the rules on just what benefits are taxable.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20060216a1.asp" \t "_blank" Four Ways to Track Local Real Estate Values - New Web tools help track your neighborbood's real-estate microclimate to learn your home's worth.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20060202a1.asp" \t "_blank" Five Tips for Selling in a Shifting Market - The advantage in home sales is moving from seller to buyer. If you're selling, her's how to close the deal when others can't.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20060201a1.asp" \t "_blank" Home Warranties - Good for Nothing? - It all depends on the fine print and who's standing behind it.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20060208a1.asp" \t "_blank" The Art of the Low Ball Offer - As housing sales slow, home buyers are in a better position to offer substantially less than the seller's asking.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20060201a1.asp" \t "_blank" Home Warranties: Good, or Good for Nothing? - It all depends on the fine print and who's standing behind it.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/pf/20060206a1.asp" \t "_blank" Save Cash and Eat Well - Buy into a Farm - Buying a share in cooperative farm can mean big savings. And there's one near you!  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/mortgages/20060126a1.asp" \t "_blank" Paying Mortgage Points A Primer - How do you decide whether it makes sense to do so? Should you pay points on an adjustable mortgage in today's rate environment?  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/itax/news/20060125a1.asp" \t "_blank" 10 New Tax Laws You Need to Know - Check out these changes before you start your return. They could save you some money.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/mortgages/20060126a1.asp" \t "_blank" Paying Mortgage Points - How do you decide whether it makes sense to do so? Should you pay points on an adjustable mortgage in today's rate environment?  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/debt/debtcreditguide/loan-warnings1.asp" \t "_blank" 20 Signs of a Bad Loan - Even if you're desperate, avoid loans that offer these kinds of deals.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/itax/tax_adviser/20060119a1.asp" \t "_blank" Confused About Home Sale Exclusion - Your closing agent must report the sale of your home to the IRS if the sale price is more than $250,000, but that doesn't mean you have to pay capital gains taxes, says George Saenz, CPA.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/mortgages/20060119b1.asp" \t "_blank" Basic Mortgage ande Loan Quiz - Think you have a grasp of what it takes to get a mortgage or other loan? Our quick five-question quiz will let you know.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20051221a1.asp" \t "_blank" Homes for Sale $1 - They're out there and they're for real. But there are often strings the size of tow ropes attached.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/loan/20060105a1.asp" \t "_blank" Smart Equity Moves as Rates Rise - With the prime rate at 7.25 percent, home equity loan and line of credit strategies are much different than a year ago, experts say.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/bankruptcy/20060116a1.asp" \t "_blank" Hidden Credit Score Guages Bankruptcy Risk - There's a number that might determine your available credit, but you aren't allowed to see it.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/pf/20060111a1.asp" \t "_blank" Even Rich Folks Have Bag-Lady Syndrome - Do you harbor a fear that your financial security could disappear in a heartbeat? It may not be irrational.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/debt/debtcreditguide/improve-credit1.asp" \t "_blank" Five Ways to Improve Your Credit - So you've made mistakes. These steps will help you restore the luster to your credit rating.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/DrDon/20051229a1.asp" \t "_blank" How to Finance a Second Home - You have pretty much the same options as for your primary residence, says Dr. Don.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20051022a1.asp" \t "_blank" Real Estate Advisor: Rent or Buy? - This question usually turns on how long you plan to stay in the home and your stomach for risk, says Steve McLinden.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20051222a1.asp" \t "_blank" Have You Over Improved Your Home? - It's not a problem unless you spend so much on improvements that you can't get your money back.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/debt/20051104a1.asp" \t "_blank" Three Approaches to Paying Off Debt- You can go for maximum effect, for maximum satisfaction, or for the credit-score boost, says the Debt Adviser.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/itax/tax_adviser/20051208a1.asp" \t "_blank" Propert Sale Straddles Two Tax Years - If you don't get property sales proceeds from a December sale until January, you can treat the transaction as an installment sale in 2006, says our tax adviser.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/mortgages/20051130a1.asp" \t "_blank" Mortgage Limit Soars to $417,000 - Reflecting a national increase in housing values, mortgage financiers sharply raised the dividing line between conforming and more-expensive jumbo mortgages.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20051128a1.asp" \t "_blank" What Home Buyers Really Want - A quality lifestyle ranks higher than square footage on the average home buyer's preference list, according to the National Association of Realtors.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/DrDon/20051201a1.asp" \t "_blank" You Should Be on the Deed - Dr. Don advises a woman whose husband wants the mortgage and deed on a house they are purchasing to be only in his name.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/cc/giftcard.asp" \t "_blank" Fees and Rules Can Ruin Gift Cards - For many, gift cards are the perfect size and color. But watch out -- they often lose value or expire, Bankrate's exclusive survey reveals.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/mortgages/ccmain.asp" \t "_blank" Study Reveals Closing Cost Differences - When you're getting a mortgage and you want to pay the lowest fees possible, Wyoming is the place to live, and you should stay away from New York, according to a Bankrate.com study of closing costs nationwide.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20051124b1.asp" \t "_blank" Planning Your Home With Universal Design - There is a wealth of resources full of good advice on planning free accessibility and convenience into your home.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/DrDon/20051117a1.asp" \t "_blank" Mortgage Mess Nixes Retirement Mess - You should get that second mortgage paid off as quickly as possible, says Dr. Don.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20051006a1.asp" \t "_blank" Rental Property Management - Yes or No? - It's a lot of work to do it yourself, but it's cheaper and you might get a better result.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/debt/debtcreditguide/finding-lenders1.asp" \t "_blank" Where to Find Sub Prime Lenders - You've been turned down for a mortgage by all the corner banks. Where do you go from here?  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/DrDon/20050830a1.asp" \t "_blank" Finding a 40 Year Mortgage - They're a bit harder to find than their 30-year cousins, but a credit union or mortgage broker should help, says Dr. Don.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20050929a1.asp" \t "_blank" Manufactured Homes - Not Tin Cans on Wheels - Factory-built homes have suffered an image problem, but experts say they've become good investments. One hurdle that remains is financing.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20051006a1.asp" \t "_blank" Rental Property Manager - Yes or No? - It's a lot of work to do it yourself, but it's cheaper and you might get a better result.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/DrDon/20050830a1.asp" \t "_blank" Finding a 40 Year Mortgage - They're a bit harder to find than their 30-year cousins, but a credit union or mortgage broker should help, says Dr. Don.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20050929a1.asp" \t "_blank" Manufactured Homes - Not Tin Cans on Wheels - Factory-built homes have suffered an image problem, but experts say they've become good investments. One hurdle that remains is financing.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20051006a1.asp" \t "_blank" Rental Property Manager - Yes or No? - It's a lot of work to do it yourself, but it's cheaper and you might get a better result.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/insurance/mold-free1.asp" \t "_blank" 12 Tips for a Mold Free Home - Whether caused by flooding or trapped moisture, mold can wreak havoc and is unlikely to be insured. Here are experts' tips for preventing and removing mold.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20050908a1.asp" \t "_blank" Lawn and Garden Equity - Using landscaping to create harmony outdoors can enhance your enjoyment of your home and its ultimate resale value.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/tax/20050922a1.asp" \t "_blank" Tax Consequences of Flipping Real Estate - If you're not careful, you'll be making big profits for the IRS.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/home-improvement/remodel-or-sell1.asp" \t "_blank" Should You Remodel or Move? - You can fix it up or you can buy a new house. Here are some things to think about before you decide.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20050915a1.asp" \t "_blank" A Fight Over Web Listings Leaves Buyers Unsure - Home buyers searching for houses on the Internet won't know if they're casting a wide net or just dangling a hook under a disputed rule governing how properties are listed on the Web.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/itax/tax_adviser/20050915a1.asp" \t "_blank" Is a Pre-Payment Penalty Deductible? - For tax purposes, a prepayment penalty is deductible in the same way as mortgage interest, says our tax adviser.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/cheap/331ways/home/energy.asp" \t "_blank" 17 Ways to Reduce Home Energy Costs - Money-saving tips for managing your home energy expenses.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/insurance/insuranceguide2004/misconceptions1.asp" \t "_blank" 7 Biggest Misconceptions About Life Insurance - Many myths surround life insurance, such as only the family breadwinner needs life insurance and you need life insurance totaling seven times your income. Here's the truth.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/mortgages/20050901a1.asp" \t "_blank" Know Your Option ARM Choices Well - Like a chainsaw, these new and popular adjustable mortgages can be useful or harmful, and the risk is borne entirely by the user.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20050806a1.asp" \t "_blank" Mum's the Word on Why You're Selling - Revealing your motivation to sell your home almost always gives the buyer a strong negotiating advantage, warns Steve McLinden.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/mortgages/BubbleMain.asp" \t "_blank" Sell High, Rent Low: The Bubble Sitters - People are gambling their nest eggs on the belief that home values have risen too high and soon will fall. Meet the bubble sitters, who have sold their homes, locked in their profits and become renters.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/mortgages/ShouldYouWait.asp" \t "_blank" Should You Wait for the Pop? - If history is a guide, bubbles don't always burst; local recessions do that. More often, booms are followed by plateaus.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/credit-scoring/20040128a1.asp" \t "_blank" Bump Up Your Credit Score in a Hurry - Planning to buy a home, refi a loan or shop for a new car? Check your score and if you're not satisfied, use these tips to give it a lift.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20050818a1.asp" \t "_blank" 12 Country Building Suprises and How to Avoid Them - The air may be cleaner, but important things like building codes can be a bit murky.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/insurance/insuranceguide2004/review-term1.asp" \t "_blank" When to Dump Your Term Insurance - Some people buy term policies for all the right reasons, but hold onto them too long for all the wrong reasons.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/REguide/novice-errors1.asp" \t "_blank" Top Ten Mistakes by Novice Real Estate Investors - Real estate has become the investment everyone sees as their ticket to easy wealth. It's not that easy.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/home-improvement/mistakes1.asp" \t "_blank" Ten Mistakes Do-it-Yourselfers Make - Home improvement projects often require more time and money t han you expect. Four experts share the ten most common mistakes.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/auto/20050804a1.asp" \t "_blank" Will Rolling Down Windows Save Fuel or Not? - People can argue endlessly over whether rolling down the windows is more fuel efficient than having windows up and AC on. But here's the right answer.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/mortgages/20050728a1.asp" \t "_blank" Avoiding Foreclosure-Rescue Scams - The convergence of economic and political forces may soon bring about a home-equity version of the stock market crash of 1929.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/loan/20010724a.asp" \t "_blank" How Much do you Know about Home Equity? - Take this quiz to see if you understand how home equity loans and lines of credit work.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/mortgages/20050728b1.asp" \t "_blank" 7 Tips About Foreclosure from the National Consumer Law Center - Avoid slick sales talk and seek advice from your lender if you find yourself in a bind.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20050308a1.asp" \t "_blank" Beefing Up Your Home's Security - You can keep the bad guys at bay without having to rob a bank to pay for the cost of additional security.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/REguide/old-or-new1.asp" \t "_blank" What's Better: New or Existing Home? - Different strokes for different folks. Here's a review of the pros and cons of each.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/debt/20050624a1.asp" \t "_blank" Breaking the Paycheck-to-Paycheck Cycle - If your money runs out before the month does, this eight-step plan will help, says the Debt Adviser.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/REguide/buyer-mistakes1.asp" \t "_blank" 10 Biggest Mistakes Home Buyers Make - If you can avoid falling into these traps you're likely to get a much better deal.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20050707a1.asp" \t "_blank" Real Estate Gurus - If Only it Were that Easy - The road to riches sure isn't as easy as advertised.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20051020a1.asp" \t "_blank" How to Find a Place to Retire - There is no such thing as a perfect place to live in retirement, but there's a method to finding a good match for your needs.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/pf/20050920a1.asp" \t "_blank" When to Begin Drawing Social Security Benefits - The decision about whether to start at age 62 or wait depends on numerous factors, including your health, your financial situation and whether you want to keep working.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/pf/20051102a1.asp" \t "_blank" Should Women Save More for Retirement than Men? - Do the math. Women live longer, drop out of the workforce for years at a time and earn less money than men.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20051013a1.asp" \t "_blank" Mortgage Pre-Approvals Not Worth the Paper - Brokers complain the information isn't verified, and is often inaccurate.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/itax/tax_adviser/20051013a1.asp" \t "_blank" Selling an SUV Expensed Under Section 179 - When you sell an SUV on which you took a full deduction, you realize a gain at the time of sale unless you enter into a like-kind exchange with a trade-in, says our tax adviser.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/DrDon/20051013a1.asp" \t "_blank" To Consolidate Mortgages or Not? - If you're not going to save on the interest rate, Dr. Don asks, why bother?  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/news/real-estate/20051103a1.asp" \t "_blank" Hot Properties: High-Tech Condos - Before buying a new condominium, prospective buyers should check into their high-tech amenities to ensure a high resale value.  INCLUDEPICTURE "http://brokeragentnews.com/images/blue_dot.gif" \* MERGEFORMATINET  HYPERLINK "http://www.bankrate.com/baw/itax/news/20051107a1.asp" \t "_blank" Retirement Tax Havens in the US - Moving to a tax-friendly locale could help you make the most of your retirement income.  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