At this time, there may not necessarily be targeted articles or comments about some of these subjects found within this blog, but with that said, we do run a diverse number of websites which are highly targeted to every keyword subject in each broad category. To locate the relevant sites with well targeted content about all the subjects, you can do a Webtrading Network search…

These are the 8 broad keyword categories covered by this blog and the sites in our Webtrading Network, with a widely covered and featured subject in each category highlighted in bold:

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I was doing research on this powerful trading concept this morning and was thinking the incredible real estate market decline could be a good example of how well it can work. Therefore, I went to Google’s “Insights For Search” and searched for “MLS Listing” which is a widely used real estate term by home buyers and sellers.

This is the explanation of how Insights For Search works from Google: “Google Insights for Search analyzes a portion of world-wide Google web-searches from all Google domains to compute how many searches have been done for the terms you’ve entered, relative to the total number of searches done on Google over time. You can choose to see data for select Google properties, including Web search, Images, Product search, and News search.”

The Google Chart displays the most perfect long-term examples I have ever seen visually depicting the great power of swing highs and swing lows. Starting in 2004 the chart shows a series of 8 important swing highs and 6 major swing-lows. Of particular importance is the Dec 06 swing low which broke the old support level established Dec 05 by that major 2005 swing low. Once that old support level was broken in Dec 06 it conformed a major real estate bear market. The market is believed to be the most severely depressed real estate market of all-time, especially in areas of the U.S. such as Arizona, Nevada, California and Florida.

If you were buying/selling real estate the chart clearly shows starting in the year 2005 you should have been selling (not buying) real estate based on the important July 2005 swing-low (which you knew about at the end of August 05, and was confirmed Nov of 2005 which was the month the previous major swing-low was confirmed. The next series of 4 major lower-swing-highs which were in mid-2006, mid-2007, and early-2008 and 2009 confirmed the bear market was ongoing and getting even stronger.

The strong nationwide real estate decline started in late summer of 2005 in several Sunbelt states at the end of Aug 05 (at least according to my knowledge and statistics). However, it got underway a little later in other areas of the nation and the media often reports the bear market started during the year 2006. In my opinion this chart is one of the most picture book perfect and accurate examples of how powerful swing-highs an swing-lows can be. It is something you should always look at and take into strong consideration while trading the markets or investing.

First, the media is reporting over the past few days some good signs of a recovery in housing, sales and construction stats. The media is also full of stories about lots of foreign investors buying homes in the U.S. Just this morning ABC’s Good Morning America reported the National Association of Realtors reports existing home sales for February 2009 were the best since July 2003.

GMA also reported “housing vultures” (including many foreign investors) were buying homes in high numbers (sometimes 100 homes at a time in bulk) and the investors were going on real estate tours of the U.S. Investors from places such as Australia, Canada, Mexico, Brazil, China and of course U.S. Investors too.

Next I would like to report on personal experiences in my area in Arizona. First, we have noticed far more Realtors with buyers touring the neighborhood recently. On another personal level we have seen a noticeable uptick in traffic going to a real estate website we run FreeMLSlisting.com.

In fact, a check of yesterdays traffic data reveals more visitors on Mar 23 2009 vs any other day on the chart, which covers a few months of web site visitor activity. Looking at more statistics supplied by Google we noticed an important statistic had its best day yesterday since Nov 3 2008.

Please keep in mind the upbeat information is by no means conclusive or proven to be statistically valid but nevertheless it certainly is quite encouraging to the nationwide war on foreclosures and the real estate market to say the least.

That’s tough to do when needing to pay a Realtor® 6% or 7% commission to list and sell the home. However, the seller can now pay about one-half of the usual costly commissions by getting in the MLS basically free (no commission to get listed) and then only paying the buyers agent upon successful sale.

Here is an example of the substantial savings. Let us assume a property sells for say $500,000 and the home seller seller offers a 3% commission to the Buyer’s Agent. Based on a $500,000 sale price the commission would be $15,000 due the broker who actually brings he buyer, and a small flat rate listing fee of $297 to pay the referral firm to send the listing to their business associate real estate broker who lists the property in the-MLS. The typical fee just to get listed on the MLS is a additional 3%, or $15,000 in our example.

Using this example, the total savings in real-estate commissions is $14,703. Now, for the comparison in savings if you listed your home with a traditional broker for say 6%. The commission on a $500,000 sale with a 6% commission rate would be a high $30,000 which is 3% more commission and $15,000 in money vs a flat-rate mls listing. How incredible is that anyway!

This is the latest and best way to list and sell your home at substantial savings. America’s #1 flat fee mls listing firm with experience doing unique flat-fee mls listings dating back to 2002 is FlatFee.org. With Nationwide Coverage areas, Low Price fee and good customer service with client satisfaction, where very low overhead keeps the MLS-Listing cost so extremely low, Which low-cost gives you good price flexibility if needed, but without surrendering so much of your equity to the real estate brokers.

Rather than analyze it here in much detail we suggest the best option for you to pursue if you need help with your mortgage payments is to visit to the new government website FinancialStability.gov and apply for the refinance or modification programs immediately.

Apparently there are two different programs from what we understand. One involves modifications providing you are no more than 5% underwater and 60 days or more past due on your home loan payments. The other apparently relates to homeowners who are current with payments but possibly are more than 5% upside-down. Please do not quote us on that and investigate the Affordable Home Modification plan yourself because the program facts, rules and requirements are not real clear at this time.

Due to the recent economic issues with mortgages and credit, it will become even harder for renters to secure a mortgage unless they have excellent credit along with stable income. It’s easy for us to say, that you are wasting money renting, but we need to actually realize that many people have no choice. A few years ago with the introduction of balloon mortgages, it was to help renters realize the dream of owning their own home, and what was the result? We are now faced with the highest rate of foreclosures the nation has ever seen.

It’s going to be very important that when deciding to purchase your first home that you ensure that you understand that even though you are technically not “renting” your home is still on “loan” until it is fully paid off. That’s something we fail to realize. We do not actually “own” the home, as seen by the number of foreclosures taking place right now. When you buy your house, if you really sit down and think about it, you are basically renting the home from the bank until it’s fully paid off. Of course you have all the luxuries of doing whatever you want to the home unlike renting, but keep in mind it’s not really yours, until it’s paid in full.

When this took place, the housing market went into a downward spiral, as the lower income families could not afford the raised payments. Obviously the system of these mortgages were flawed, as it was based on too much assumptions. So many houses as a result have now gone into foreclosure, and it’s led to one of the worse housing market crises of all time.  The housing market has not tightened the qualifications again on acquiring a mortgage, but it’s a bit too late now since so many of the balloon payment mortgages have already been issued, and are now in default.

So how does one get qualified for a mortgage today? It’s best to work on your credit. Ensure your credit score is as high as it possibly can be. To do this, you need to ensure that you pay your bills on time, keep your balances low on your credit cards, and of course having stable income is a must. If you can achieve a credit score of 700 and above you should be in a decent position to acquire a mortgage.

With the rise in foreclosures, it has led to many investors being able to purchase property and ridiculously low prices. If you check the MLS listings for properties in the State of Michigan, you’ll see houses selling for as low as five thousand dollars. In many cases these are homes that were selling for as much as 60k-100k just a few years ago, but there are in such dire straights to get the houses sold, that there are being sold for a fraction of their original price. This is basically an investors dream, so those who have money to buy these foreclosure properties, stand to make substantial profit once the housing market starts to make a turn for the better.

The banks are doing all they can to get rid of houses that have been on the market for months or years, and as a result the prices are going at very low prices. Again, if you have the money to invest, now is the time to pick up houses at bargain basement prices. Of course, what comes along with these houses is worth noting as well. In many cases you will need to bring many of them up to city code, pay off liens and taxes, and ensure the property abides by all the building codes of the district.