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A series of monthly newsletters on current topics of interest. NOTE: FYI newsletters are in PDF format & can be accessed with the free Acrobat Reader
Twelve Month Financial Almanac
The Equal Credit Opportunity Act . The Homeownership Counseling Act . Real Estate Settlement Procedures Act . The Fair Credit Reporting Act
What Is A Homeowner Association? . CC&Rs . Governing Documents . A Corporate Democracy
What Is Subprime? . Development of Subprime Mortgages . Recent Challenges . What Should Distressed Borrowers Do? . What Happens Now? . The Big Picture
An Overview . The Community Reinvestment Act . The Home Mortgage Disclosure Act . The Home Ownership Equity Protection Act . The Truth in Lending Act
What Is It? . The Board of Governors . The Federal Reserve Banks . The Feds Regional Structure . The Federal Open Market Committee
Interest Rates and Inflation . Monetary Policy . Supervising and Regulating Banks . Consumer Protection . Providing Financial Services
What Is It? . Sole Ownership . Common Co-ownership Methods . Other Co-ownership Methods
An Overview . Definitions . Pre-Foreclosure Homes . Foreclosure Auctions . HUD Foreclosed Homes . Buying REO's
Dont Get Locked Out of Your Home . Who are the Real Victims? . Foreclosure Scam Task Force Report . Detecting Foreclosure Scams . Foreclosure Scam Remedies . Reporting Foreclosure Fraud
An Overview . It Starts At Home . Blowing Hot and Cold . See the Light . Plugged In . Energy Efficient Home Design
An Overview . Mortgage & Lender Related - Part 1 . Mortgage & Lender Related - Part 2 . Miscellaneous Fees . Establishing/Transferring Ownership . State and Local Governments . Estimates
What is a Real Estate Appraiser? . How Are Appraisers Licensed? . What Do Appraisers Look For? . Hiring an Appraiser
What Is It? . Urban Sprawl . Growth Pattern Challenges . Benefits and Incentives . The Role of REALTORSฎ
Educated Professional . Marketing Expert . Skilled Negotiator . Knowledgeable Counselor
Before You Start Home Shopping . House Hunting . Before You Place An Offer . Purchasing Your Home and Insurance . After Your Home Purchase
Best Return On Investment . Renovating The Great Outdoors . Renovation Pitfalls . Hiring A Renovation Contractor
What Does A REALTORฎ Do? . Why Your Home Won't Sell . Outshine The Competition . Common Mistakes Home Sellers Make
Full Value Protection . Released Value Protection . Things to Keep In Mind . Red Flags for Spotting Rogue Movers
An Overview . Health Effects of Lead . Where Lead is Found . Where Lead is Likely to be a Hazard . Checking Your Family and Home for Lead . Protecting Your Family . Remodeling A Home with Lead-Based Paint
June is National Safety Month . Preventing Falls, Poisoning and Choking . Fire and Water . 20 Essential Safety Items
Rewards of Home Ownership . How Are Low Down Payments Possible? . Comparison Shopping . Qualifying For A Low Down Payment Loan . How Much of a Mortgage Can You Afford? . Your First Meeting With a Lender . Two Key Factors in Qualifying for a Loan
An Overview . Paying Off Credit Cards . Borrowers Beware - Part I . Borrowers Beware - Part II . The Three-Day Cancellation Rule . Protecting Yourself
What Is It? . How To Identify A Mold Problem . Cleanup Guidelines . Prevention and Control
An Overview . Guidelines and Information . How Does It Work? . What Numbers Can Be Registered? . When Does A Registration Expire? . Will All Telemarketing Calls Stop? . Filing A Do Not Call Complaint
An Overview . The Fair Housing Acts . Presidential Executive Orders . Fair Lending . National Training Academy . A Fair Housing Quiz
The Nature of Fire . Holiday Fire Prevention . Electrical Fire Safety . Check Your Hotspots . Smoke Alarms . Escape Planning
Why Do Your Scores Matter? . What is a Good Score? . Learn Your Scores Soon . Not Just One Score . Five Parts of FICO Credit Scores . Negative or Missing Information . Improving Your Credit Report
What Is It? . Required Disclosures . Disclosures Before Closing . Disclosures At & After Settlement . Explanation of Statutes . Enforcement
Reviewing The Options . The 40 Year Mortgage . The Interest Only Mortgage . The Reverse Mortgage . Mortgage Brokers . Applying Online for Mortgages
An Overview . Steps Of The Process . "Keep Your Home" Alternatives . "Keep Your Credit" Alternatives . Foreclosure Scams . Points To Remember
What Are They? . Who Benefits? . Which Homes & Buyers Qualify? . What Is A HERS Report? . Government Insured Loans . Conventional Loans
Natural Alternatives . Blocking The Heat . Landscaping . Walls and Windows . Removing Built-Up Heat . Reduce Heat Generating Sources
What Are They? . Selecting An Inspector . During The Inspection . Other Inspections To Consider . Questions To Help REALTORSฎ And Their Clients
It's Energy Efficient . Building Principles . Passive Solar Heating & Lighting . The Building Envelope . Construction Waste Facts . Energy Efficient Mortgages
When Will They Be Available? . How To Order Yours . Reviewing Your Report . How To Handle An Unresolved Dispute . Additional Situations
What Is A Flood? . What Should You Do Before A Flood? . What Should You Do During A Flood? . What Should You Do After A Flood? . Tips For Filing Your Insurance Claim
Their Responsibilities To You . Transfer of Servicing . Payments and Fees . Your Credit Report . If You Have A Complaint
What Is An Energy Efficient House? . The Thermal Envelope . Energy Efficient Heating & Ventilation . Heater and Fireplace Safety . Detecting Air Leaks . Caulking and Weatherstripping
Remember The IRS . Packing It Up . Finding A Reputable Mover . Hiring An Interstate Mover . Filing a Complaint against a Mover . Changing Your Address & Services
What Is It? . Who Are The Targets? . Tips On Being A Smart Consumer . Be Cautious . Steps To Getting A Good Loan . Avoid Entrapment
Who's Spamming Who - Could it be You? . Requirements for Commercial Emailers . Penalties for CAN-SPAM Act Violations . Is Someone "Phishing" for Your Info? . Pop Up Spam . The Lowdown on Chain Letters
An Introduction . Checking Accounts . Special Types of Checks . Processing and Collection . Limiting Risks From Checks
What Is PMI? . The Homeowner's Protection Act . How Do You Cancel PMI? . What Does HPA Require After 07/29/99? . What Does HPA Require Before 07/29/99? . What If Your Home Value Has Increased?
Why Some Investments Make Money . Mutual Funds . Do You Need An Investment Professional? . Ask Questions! . How To Monitor Your Investments . How Can You Avoid Problems? . What If You Have a Problem?
It's Easier Than You Think . Know Your Income and Expenses . Making Money Grow . The Differences Between Them . Stocks and Bonds . What are the Best Choices?
An Introduction . Privacy Notices You May Receive . More Info About Privacy Laws . Your Right To Opt Out . What You Can and Can't Stop . Where Else To Turn For Help
Comparison Shopping . Deciphering Application Information . Understanding Interest Rates . How Much Will You Pay? . How Much Could You Save? . Cracking the Code
How It Happens . Protect Your Identity . If You're A Victim . Additional Resources
Finding A Contractor . Hiring A Contractor . Get A Written Contract . Understanding Your Payment Options . Completing The Job
The First Steps . Selecting A Real Estate Agent . Pricing To Sell . Looking Your Best . A Buyer's Viewpoint
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