Arkansas homeowners who are living under negative equity may be able to use the HARP 2.0 government program to allow them to refinance at lower interest rates.

North Little Rock, AR -- (SBWIRE) -- 11/07/2012 -- More people than ever with homes in distress are able to refinance under the HARP 2.0 program. This bodes well for homeowners looking to reduce their interest rates and lower their monthly mortgage payments.

The only problem is that still many Arkansas homeowners don&apost know the program exists.

Arkansas mortgage originator, Doug Nesselrodt educates his potential clients on the basics of this program at his Online HARP 2.0 program have already resulted in a large amount of loan modifications. Those Arkansas homeowners with high LTVs (Loan-to-Value ratios) and less than perfect credit scores have been able to successfully refinance their homes.

You May Be Eligible For A HARP Refinance If:

1) Fannie Mae or Freddie Mac owned or guaranteed your home loan.

2) Your loan was sold to Fannie Mae or Freddie Mac before May 31, 2009.

3) Your mortgage is current for the last six months.

4) You owe more than your home is worth, or is there minimal equity in your home.

5) Your mortgage has not already been refinanced through HARP in the past, unless it happens to be a Fannie Mae loan that underwent a HARP refinance between March and May 2009.

6) You have no more than one late payment over the past 12 months.

7) Your loan is not an FHA, USDA or Jumbo Mortgage.

Call Doug Nesselrodt at 501-758-1931 or visit our HARP Refinance Center and fill out our Quick 1 Step Eligibility Form to see if you qualify for this new program.

For Answers to Your HARP Questions: http://crosscountryarkansas.com

For more information on this press release visit: http://www.sbwire.com/press-releases/harp-20-program-allows-many-arkansas-homeowners-to-take-advantage-of-low-refinance-rates-and-lower-their-monthly-mortgage-payments-178421.htm

North Carolina & South Carolina homeowners who have homes with negative equity may be able to use the HARP 2.0 government program to allow them to refinance at lower interest rates.

Charlotte, NC -- (SBWIRE) -- 11/07/2012 -- More people than ever have homes "Underwater"! These are homes with mortgages with balances more than the home is worth. Homeowners in this distress are able to refinance under the HARP 2.0 program. This bodes well for homeowners looking to reduce their interest rates and lower their monthly mortgage payments.

The only problem is that still many North Carolina & South Carolina homeowners don&apost know the program exists.

North Carolina & South Carolina mortgage originator, Barbara Frye educates his potential clients on the basics of this program on her Online HARP 2.0 program have already resulted in a large amount of loan refinances. Those North Carolina & Soth Carolina homeowners with high LTVs (Loan-to-Value ratios) and less than perfect credit scores have been able to successfully refinance their homes.

You May Be Eligible For A HARP Refinance If:

1) Fannie Mae or Freddie Mac owned or guaranteed your home loan.

2) Your loan was sold to Fannie Mae or Freddie Mac before May 31, 2009.

3) Your mortgage has remained current for the last six months.

4) You owe more than your home is worth, or is there minimal equity in your home.

5) Your mortgage has not already been refinanced through HARP in the past, unless it happens to be a Fannie Mae loan that underwent a HARP refinance between March and May 2009.

6) You have had no more than one late payment over the past 12 months.

7) Your loan is not an FHA, USDA or Jumbo Mortgage.

Call Barbara Frye at 828-855-3625 or visit our HARP Refinance Center and submit our Quick 1 Step Eligibility Form to see if you qualify for this new program.

For Answers to Your HARP Questions: http://harprefinanceanswers.com

For more information on this press release visit: http://www.sbwire.com/press-releases/north-carolina/mortgage-expert/sbwire-178422.htm

Toronto, Ontario -- (SBWIRE) -- 11/09/2012 -- Chris Allen, Toronto-based Realtor and Vice President of the Scarborough-Guildwood Electoral District Riding Association was recently invited by federal ministers to participate in discussions on National Defense policy. Allen not only discussed the importance enhancing veteran’s services and Arctic sovereignty, but also the importance in finding efficiencies in defense spending.

“As a former soldier myself I’ve always been on the receiving end of national defense policy” says Allen. “It’s a fantastic opportunity to now be in a position where I have direct input from top down on drafting new policy that will affect our troops directly.”

The National Policy and Constitution Committee will be hosting conferences across Canada between November 3rd and January 19th.

Several federal MPs and Cabinet Ministers were on hand as committee chairs including Jason Kenney Minister of Citizenship & Immigration, Chris Alexander Parliamentary Secretary for Defense, Paul Calandra M.P. Oak Ridges-Markham and Corneliu Chisu M.P. Pickering-Scarborough East.

About Chris Allen, Toronto’s Real Estate Authority
Chris Allen, Toronto’s Real Estate Authority, is a Toronto-based realtor who specializes in the sale of commercial & residential properties. Prior to his move back to Toronto, Allen was awarded the General Campaign Star after an accomplished military career. Allen also had success as a real estate investor in western Canada.

For more information about Chris Allen and his role in the discussions, please visit http://www.AllenEstates.ca

For more information on this press release visit: http://www.sbwire.com/press-releases/chris-allen-participates-in-national-defense-policy-committee-with-parliamentary-secretary-for-defense-chris-alexander-178529.htm

Viewers can get a general outline and overview on GregFly.com.

Lousiville, KY -- (SBWIRE) -- 11/09/2012 -- Greg Fleischaker recently opened the doors officially for his new and improved website, GregFly.com. The real estate website will be geared towards people looking for Louisville homes, or those who have Louisville homes for sale.

From luxury homes to foreclosures, Fleischaker believes his Louisville real estate website can help tap into a market that desperately was in need of a new place to search multiple listings at once. In the video, Fleischaker briefly goes over what all is currently setup, as well as touching on the future of GregFly.com as well.

Many people who have viewed the website in the past will find it hard to recognize it. All the improvements were made to speed up the process when it comes to finding just the right property. In the video, Fleischaker actually walks viewers through the process of using the search and sort features. Early feedback from testers believe the change is great overall.

To see the entire website and all the changes that have been made to improve a person’s Louisville real estate search, visit http://www.youtube.com/watch?v=RHGkRRt432E to watch the video.

About GregFly.com
GregFly.com is a website dedicated to bring the latest listings in the Louisville, Kentucky market. Customers can both find property as well as list it easily thanks to the new and improved features welcoming new people to the website. Partnering with Housing Associates Realtors, Greg Fleischaker and company hope to provide the best option for shoppers in the area.

For more information on this press release visit: http://www.sbwire.com/press-releases/greg-fleischaker-announces-latest-real-estate-website-focusing-the-louisville-kentucky-area-178613.htm

The Ramsay Home Project is proud to announce that their website has undergone some major construction work and a whole variety of new features have been added to the site.

Calgary, Alberta -- (SBWIRE) -- 11/09/2012 -- The Ramsay Home Project was once considered a private blog. On their launch, they posted about their own experiences with building and decorating their new home. The new family was passionate about building using an eco-friendly approach, and had great success in posting their own stories for their readers. However, they have decided to take a plunge and turn their website into a global community for home building enthusiasts around the world. Their first step was to completely redesign and re haul the website. In doing so, the site has now benefited from a wide array of new features being added. Apart from delivering the latest news, The Ramsay Home Project now also actively engages and focuses on the home building community.

Part of their website incorporates the ability to let experts within the industry have their say. Through redesigning the website, they have added features which allows home building experts to post guest blogs and promote themselves as an expert within the industry. Providing that the content provided is relevant and appealing to the website&aposs readers, all content is welcome.

To date, hundreds of guest bloggers have joined in with The Ramsay Home Project community and have been blogging away on a whole host of varied subjects. From anything and everything to do with home renovation, home building, interior decorating to even waste recycling, the Ramsay Home Project has it all covered. Part of their recent success can be attributed to the fact that the blog is dedicated to providing an active and engaging community for all home owners to come into and share their experiences or stories.

What once started as a place to share stories and experiences, still is a place which strives to engage the community to promote their own stories. To learn more about why The Ramsay Home Project is gaining in popularity, and to see the community which they have built, head over to their blog found at: http://www.ramsayhome.com/

About The Ramsay Home Project
What once started off as a personal blog, The Ramsay Home Project has now turned into a global community of avid home building, decorating and design enthusiasts.

For more information on this press release visit: http://www.sbwire.com/press-releases/from-home-decorating-to-home-building-promote-your-brand-or-product-178742.htm

San Fransisco, CA -- (SBWIRE) -- 11/09/2012 -- Today, businesses that don’t have a social media presence are missing out on an easy opportunity to connect with potential customers. Setting up Facebook and Twitter accounts takes only a few seconds, but it can help customers forge a personal bond with a brand.

A United Kingdom-based company called Tobin Jones Property has recently started using social media to advertise its property management and lettings agent services. Tobin Jones Property is based in Bicester, England, although the company manages properties in cities throughout Oxfordshire.

From the Facebook page of http://www.facebook.com/pages/Tobin-Jones-Property-Ltd/194062920621539">Tobin Jones Property, visitors can learn more about the 27-year history of the company. For the past three decades, family-owned Tobin Jones Property has helped residents throughout Oxfordshire maximize the profitability of their investment properties.

The Facebook page for Tobin Jones claims that a staff of over twenty employees is large enough to manage the biggest tasks effectively, but small enough to be approachable and flexible. A spokesperson for the company explained how the team at Tobin Jones Property works:

“We’ve carefully selected a team of letting, management, and building professionals who have a wealth of experience in the field of UK property management. Every one of our employees knows what it takes to make a property profitable, and our team of administrative professionals ensures that the company is operating as smoothly as possible. Every member of our team is focused on helping properties become more profitable for the owners.”

The Facebook page also allows fans of the company to interact with the brand in various ways. One recent status update asked fans to post their best property-related joke in exchange for a bottle of wine, for example, and other status updates advertise new properties that have become available to rent around Oxfordshire.

Today, social media involves signing up for more than just a Facebook page. There are thousands of social media websites out there, all of which can promote the services of a company in various ways. Although Squidoo.com has had an internet presence for several years, more and more businesses are turning to the site to advertise their services.

Tobin Jones Property created a Squidoo lens that seeks to educate prospective customers on the services provided by the firm. The lens goes into brief detail about Tobin Jones and the company’s experience and it also features testimonials from genuine Tobin Jones customers. At the bottom of the page, visitors will also find information about Max Utting, a rally car driver who is sponsored by Tobin Jones.

About Tobin Jones Property
Tobin Jones Property is an Oxfordshire-based property management and lettings agent company. It recently expanded its social media presence to feature a Facebook page and a Squidoo lens. For more information, please visit: http://www.squidoo.com/tobin-jones-property-bicester

For more information on this press release visit: http://www.sbwire.com/press-releases/tobin-jones-property-uses-social-media-to-advertise-oxfordshire-property-management-services-178930.htm

While unemployment remains low, business space is being sold at a record pace

San Francisco, CA -- (SBWIRE) -- 11/12/2012 -- Following the NASCAR Plaza and rumored sales of the 525 N Tryon Street office tower later this fall, Charlotte’s uptown section may set a record for building sales in a year.

Charlotte’s uptown office market may have sales above $553 million, according the CBRE Group Inc. and other sources that are close to the action. If the numbers are met, then it would beat the 2007 numbers of $500 million in a single year.

The moving and shaking of the business space is seen as reflecting the optimism in the Charlotte economic prospects. Increasing competition for property shows that commercial sector players have a good sense of the futures of Charlotte’s ability to move upward after bottoming out.

Executive Vice President of investment properties group CBRE, Ryan Clutter, stated that his experience tells him similar cities to Charlotte are not likely to see the same activity.

“I think it says Charlotte continues to be very attractive for investors. It’s a very strong secondary market that has proven its resiliency in the wake of the financial crisis,” said Clutter, who has been involved in many of the deals. “It says (investors) are really bullish on the market.”

The area is not all roses, as it is still dealing with a 9.1% unemployment rate, and that number is lower than recent years.

Analyst remains optimistic despite the past. Most noteworthy is the sale of NASCAR Plaza for $100 million, a property that only two years ago epitomized the abrupt economic downturn and continual uncertainty of the area.

The tower’s owner had defaulted and went bankrupt, and the property then failed to lease up while lenders fought among themselves, unloading the project in the end.

“It’s huge,” veteran real estate appraiser Fitzhugh Stout said of the sale, announced last week. “I think people feel things are bottoming out and there’s positive movement underway.”

About SkySlope.com
SkySlope.com (http://www.skyslope.com/) offers trials on request, pricing information, and demo work regarding their software’s services in transactions management. Browse the site to see how the software works, and how it can simply and effectively help people reach their goals. Learn more about SkySlope at http://www.skyslope.com.

For more information on this press release visit: http://www.sbwire.com/press-releases/charlotte-building-sales-hint-toward-economic-recovery-179309.htm

Exeland, WI -- (SBWIRE) -- 11/12/2012 -- For most people, saving up is one of the easiest things to do especially if you’re running out of money or your budget is not keeping up with you. For that matter, you might be familiar with thrift shops and how they are a far better choice whenever you have to get some items you need. Surely you are familiar with online shops right now and though thrift shops are something that may be hard to come by, Then and Now Treasures would be a good choice for an online thrift store to have.

Then and Now Treasures (http://www.thenandnowtreasures.com) is an online thrift consignment store that gives you an opportunity to enjoy shopping, selling, and saving on items at prices the same as you will find on thrift stores. So what should you expect? Their online thrift store shopping offers you new and used clothing, accessories, household items, collectibles, entertainment, seasonal items and much, much more on quality brands for affordable prices. You don’t always have to be the buyer on thrift shops anyway. In fact, you may put up a small business of your own if you want and sell used items as well.

If you have a neighbor who loves emptying their house with items that they don’t need any more but can still be used, then you may ask them to donate or sell it to you on budget price and you in turn can use it or resell it yourself. The Then and Now Treasures thrift and consignment shops do offer many items from different categories and you can be one of their hundreds of resellers online. Why go too far if your home can provide you with a small business to start with?

A little bit worried on trying this business? Don’t worry, they offer you with structured shipment services so that you can quickly sell your product at low commission rates compared to other thrift shops that allow reselling. Because they also use Paypal for payment processing, then you can be rest assured that your money will be safe and you will be paid securely. Besides, you may also commend Then and Now Treasures for putting up Project Angels http://www.thenandnowtreasures.com/ProjectAngels.com.

About Then and Now Treasures, LLC
The project aims to help people who are in need of everyday products by offering free or discounted items to provide for those families who fell victim to fire, theft, flood, earthquakes or any other kind of natural disaster or hardship. The project is funded by donations from local businesses and the public as well who wants to help other people who have been less fortunate. That’s why if you would like to be part of their Project Angels program and help others who are in need, you may call Then and Now Treasures at 888-415-7947 so that you can schedule an appointment as well as get instructions on where and how to drop off your donations. Whether it is big or small, your donations will always be accepted as it can help small families to start anew.

So if you want to venture out into a business surely and securely and help people at the same time with the blessings that you have received, Then and Now Treasures would be something worth to try out. If you need more information about them, you may read the site’s About page http://www.thenandnowtreasures.com/AboutUs.html> or contact:

Lisa Lau
Resale Retail
Then and Now Treasures, LLC
http://www.thenandnowtreasures.com
823 N Elm Park Dr
Exeland, WI 54835
715-415-6889

For more information on this press release visit: http://www.sbwire.com/press-releases/then-and-now-treasures-is-now-available-for-thrifty-shopping-and-selling-179388.htm

Building management control was cancelled after means by which Shindico got the deal were deemed unfair

San Francisco, CA -- (SBWIRE) -- 11/12/2012 -- A Shindico management contract was given a 90 day cancellation notice after the city council of Winnipeg determined the contract had been awarded unfairly. The contract was for the services of Shindico to manage a former Canadian Post tower, and the terms were in the range of $154,000 a year for the service.

The cancellation of the project came after city councillors concluded that the contract was given not based on management responsibilities, but rather on the sales and purchases of various Winnipeg area properties.

Shindico indicated to the media that their firing was out of the blue from their perspective and company president, Sandy Shindleman, said that the council had told them recently what a great job they had been doing managing the tower. The company also said they will not be attempting to regain the contract because no one is going to hire a contractor they just fired.

The city council has indicated that it is currently looking for a replacement property manager to manage the tower until it can be sold, which in this market, could take some time.

Shindico is also in management control of another city project dealing with the Dominion Bridge, and will keep control of it after city council member Russ Wyatt attempted to have that contract cancelled as well.

The cancellation has made many folks happy most notably Canadian Taxpayers Federation director in Manitoba, Colin Craig, who responded to the news saying that it was a long time coming, and that it now gives, “everyone a fair chance at work.”

The tower under contract was originally purchased for $29.25 million and had plans to undergo majors changes. Plans were to convert the Canadian Post building into a police station, among other things. With new management on the horizon, the city council of Winnipeg still plans on selling the building, but it is now anyone’s guess what will become of it.

Shindico will have 90 days to relinquish management duties.

About TobinJones.com
TobinJones.com (http://tobinjones.com) offers 25 years of experience in the letting and management industry. Tobin Jones Property specializes in residential and commercial lettings as well as residential, block, and facilities management and as a small company, quality service is the main concern. Visit the website to learn more about Tobin Jones Property Management.

For more information on this press release visit: http://www.sbwire.com/press-releases/shindico-management-project-goes-sour-after-city-council-vote-179411.htm

With the global economy struggling, now is the time to buy for people looking to take advantage of long term real estate profit

San Francisco, CA -- (SBWIRE) -- 11/13/2012 -- Experts say that people looking to purchase real estate overseas should do their research before diving into a situation that could ultimately hurt them.

When it comes to buying property in foreign countries, one must consider their long term intentions before committing to anything. Director of international real estate dealer NV-Company, Nina Volkova, says that people have varying reasons for going global with their real estate projects, but that those looking to flip houses for profit are in for a rude surprise. According to Volkova, market profits will likely stay under 3-5% within the upcoming years, which may mean that the entire project is not worth it for those on that path.

Volkova said that the with the current state of the economy in Europe, the best reasons for many foreigners to buy real estate overseas include: finding a place to retire; getting permanent residence; or to be closer to family. If those are any of the reasons for people looking to buy overseas real estate, it makes sense. On the other hand, the intention of many is to gain profit by fixing up and reselling property, but Volkova warns that those with that mindset should recognize it as a long term project even if they plan to merely rent.

The CEO of Kingsland real estate agency, Denis Yevseyev, said that interested resellers should target exclusive markets that will have limited competition in the future because that will increase sale value at the end of the day.

A partner at Chesterton real estate, Yekaterina Tein, said that investment decisions can be split into three different categories, all of which have different outcomes: safe/low-profit, risky/high profit possibility, and professional investing. Tein said that while each have an upside, the downside of “risky/high profit” investing would have to big of a probability in the current state of the economy.

Donald Trump was quoted saying that buying property in Greece and Spain, two countries that have seen recent economic struggles, would be very smart at this point in time because the rewards of profit over time could be exponential. The problem with this is that if the markets never recover, all we be lost for investment hopefuls.

Experts say that the best investment in real estate right now would be to purchase “elite” property. While the economy is not doing so well at the moment, elite property ownership could be beneficial in the future. However, many experts say that it really depends on the country and area of interest for buyers.

The example used by many real estate gurus is the market in Hong Kong, Shanghai, and Mumbai, which has seen exponential increase in real estate since it reached its low back in 2008. While market trends vary around the world, it is probable that most countries who have seen overall success as a nation will ultimately rebound, thus providing very good profit for real estate owners who bought at a low point such as right now.

Costa del Sol, according to many, is prime for resellers right now, as it has experienced an all time low in real estate prices.

About TobinJones.com
TobinJones.com (http://tobinjones.com) offers 25 years of experience in the letting and management industry. http://www.facebook.com/pages/Tobin-Jones-Property-Ltd/194062920621539">Tobin Jones Property specializes in residential and commercial lettings as well as residential, block, and facilities management and as a small company, quality service is the main concern. Visit the website to learn more about Tobin Jones Property Management.

For more information on this press release visit: http://www.sbwire.com/press-releases/now-a-great-time-to-invest-for-those-eyeing-overseas-property-179429.htm

Visitors to the website who are located in the Frisco, Texas area are instantly eligible to receive this valuable information at no charge.

Dallas, TX -- (SBWIRE) -- 11/14/2012 -- The realtors at http://kingpremierrealty.com/ officially announced that all first-time visitors to the website are eligible for a free report. Focusing on the real estate market and overall climate in Frisco, Texas, the company hopes the report proves that no realty company provides the focus and detail of King Premier Realty.

From buying to selling property, http://www.kingpremierrealty.com is a growing player locally in the Frisco area. The company stays on the cutting edge of the latest trends and other things currently going on in the market. Guides are also available for people new to real estate in general who need additional information before getting started.

Along with individual buyers and sellers, http://www.kingpremierrealty.com also has a part of their business dedicated to investors. Regardless of the needs for a shopper, the company aims to provide tips, guidance and other truths about the area.

Buying and selling a home can be extremely stressful if things are not handled properly. To learn more about real estate in the Frisco, Irving and Dallas area, or to simply get a free report, visit http://www.kingpremierrealty.com/.

About KingPremierRealty.com
King Premier Realty is a Frisco, Texas-based real estate website focusing on providing the necessary tips to buy or sell a home. Customers can enjoy a wide array of resources, and even browse current listings if they choose to do so.

For more information on this press release visit: http://www.sbwire.com/press-releases/kingpremierrealtycom-offers-free-real-estate-report-180168.htm

With a struggling global economy, businesses cannot afford foreign expansion at this point in time

San Francisco, CA -- (SBWIRE) -- 11/14/2012 -- Recent research has shown that office rentals in upscale parts of Lagos have seen a significant drop in sales.

While the usual rate for these office spaces is $1000 per square meter, research proves that figure has been cut by 20% and is now down to $800 per square meter. While there is no outstanding reason for such activity, managing director Munachi Okoye of MCO Real Estate, which does a lot of work within these areas of Lagos, surmised that the drop could be due to the fact that many of their clients are foreign. WIth such a poor global economic economy at the moment, Okoye says that companies and individual contractors are focusing on profits in their home countries, and are consequently cutting back on foreign deals.

Okoye also said the drop could be partially thanks to the lack of a functional mortgage market, which would enable property owners to pay for their purchase over a period of time rather than all at once.

MOCRE not only rents to companies and contractors who need office space for living, but also sells with the purpose of convincing these buyers that such a space could also offer a long term investment opportunity. Unfortunately, because of the global financial situation, MOCRE has seen a decrease in sales.

While many other high end real estate properties are being built around Lagos including in Victoria Island and near the Lekki-Epe Expressway, Okoye believes that these will not be competitive because it takes knowledge and expertise to even explain the potential investment opportunities to potential clients, which besides MOCRE, not many companies have.

As long as corporate market businesses continue to pull back potential investments in office space in Lagos, the industry will struggle. Due to the fact that companies can simply not afford such expansions into foreign countries, businesses like MOCRE will have a harder and harder time selling such properties. Expansion projects for high-end office space has leaked to surrounding areas of Lagos, but are not expected to gain profits as long as the current trend continues.

About TobinJones.com
TobinJones.com (http://tobinjones.com) offers 25 years of experience in the letting and management industry. Tobin Jones Property specializes in residential and commercial lettings as well as residential, block, and facilities management and as a small company, quality service is the main concern. Visit the website to learn more about Tobin Jones Property Management.

For more information on this press release visit: http://www.sbwire.com/press-releases/office-space-investments-drop-in-lagos-reports-tobin-jones-179781.htm

Storms not finished punishing north-eastern states, residents doing what they can

San Francisco, CA -- (SBWIRE) -- 11/15/2012 -- Many of the cold and exhausted church patrons found their way to church on Sunday, most likely to pray for deliverance from the cold weather that has now settled across the New York metropolitan area. With another powerful storm on the way, the possibility of a painful punch may be added to the difficulty the residents have already endured.

With nighttime temperatures now reading the 30s, and hundreds of thousands still without proper working electricity and water, people are sleeping in layers of clothing and without much to look forward to in the upcoming Thanksgiving season. New York City officials have been busy handing out blankets and urging some to find overnight shelters at night, and daytime warming centers during waking hours.

Simultaneously, the government leaders began to grapple with the rather daunting concern of a long-term problem: Where will many find housing, as their homes are currently considered uninhabitable. Such homes will stay that way for weeks, months, and possible some will remain in such a state for over a year, through a combination of the initial storm, and subsequent storms to follow.

Mayor Michael Bloomberg has said that 30-40,000 New Yorkers may need to be relocated, which will be something of a monumental task within a city that has little housing available to begin with. That is not to mention the prices of basic living within the metropolitan area. The Mayor and officials hope that number will drop by half within the next couple of weeks as electricity returns in certain areas. That still leaves at least 15,000 New Yorkers with sustained living.

In Staten Island, Sara Zavala is like many, as she spent a night under two blankets and layers of clothing due to her power being out. She said she does own a propane tank, but only runs it early in the morning, as she does not want to use up the gas while she sleeps.

"When I woke up, I was like, &aposIt&aposs freezing.&apos And I thought, &aposThis can&apost go on too much longer,&apos" said Zavala, a nursing home admissions coordinator.

It is not only the many without proper-working homes. The storm took the lives of 100 people in 10 of the affected states on the Eastern seaboard. It also affected gasoline allocation, causing shortages in many regions, and the result is akin to the 1970s gas shortages. Over a million homes and business still have no power in New Jersey, and just about two-thirds of a million in New York suffer the same lack of power.

There are pockets of the cities and states that are returning to something of a normal pace. Still, with so many without the basic necessities of life, it is more of a hollow shell of regular life for many of New Yorkers and Nor-Easterners.

"Prepare for more outages," said National Weather Service meteorologist Joe Pollina. "Stay indoors. Stock up again."

"Well, the first storm flooded me out, and my landlord tells me there&aposs a big crack in the ceiling, so I guess there&aposs a chance this storm could do more damage," John Lewis said at a shelter in New Rochelle, N.Y. "I was hoping to get back in there sooner rather than later, but it doesn&apost look good."

The North Eastern has seen its share of difficulties, and many believe they will be able to find their way through the coming storms and current difficulties. However, there is no doubt that the impact of so many being without homes will leave a scarring effect on the cities and states that are feeling the brunt of mother nature’s indifference to normal life.

About MovingAndRelocation.com
MovingAndRelocation.com (http://movingandrelocation.com/) gives visitors an opportunity to receive a free quote regarding moving and relocation services. Save up to 60% by using the relocation calculator, and contact the company for any specific question.

For more information on this press release visit: http://www.sbwire.com/press-releases/over-30000-new-yorkers-may-need-relocation-reports-moving-and-relocation-179824.htm

RE/MAX Lake of the Ozarks, a real estate team focusing on one of Missouri's most livable communities, recently held the 5th Annual Real Estate Symposium, which provided significant industry notes and insights.

Osage Beach, MO -- (SBWIRE) -- 11/15/2012 -- One of the most beautiful destinations in the State of Missouri is the Lake of the Ozarks. The Lake was developed during the construction of the Bagnell Dam, and embraces a shoreline expanding over 1,150 miles. Bringing people closer to the environment, the Lake of the Ozarks makes an excellent destination for activities involving the nature. Unsurprisingly, the Lake of the Ozarks real estate market is on a steady rise, and is offering excellent opportunities for buying and selling. After all, it proposes to be the home that makes boating, fishing, camping, and golfing possible for residents.

The Betty Ellerbroek Team, RE/MAX Lake of the Ozarks, focuses on giving clients the best possible home buying or selling experience. Listing and selling real estate at the Lake of the Ozarks for 15 years with Platinium Level Sales Production, Ms. Ellerbroek and her team strives to provide clients with the best possible answer to the real estate needs.

In an aim to always provide Lake of the Ozarks real estate services at their finest, Betty Ellerbroek continues to make in-depth analyses of the Lake of the Ozarks market. The 5th Annual Real Estate Symposium last October 18, 2012, is proof positive of this effort.

Spearheaded by the RE/MAX Lake of the Ozarks, this year&aposs annual symposium was essentially a discussion of the trends of Lake of the Ozarks real estate, underscoring how sales in 2012 have been the best in four years.

During the 5th Annual Real Estate Symposium, it was noted that during the declining years of 2006 to 2009, Lake of the Ozarks real estate transactions fell from a high of 3,636 in 2006 to 1,837 in 2009. Sales volume declined from $7.27 million in 2006 to $3.54 million in 2009. In the stabilizing years of 2009 through 2011, transactions increased from 1,840 in 2009 to 1,859 in 2011. Sales volume continued to fall slightly, from $3.43 million in 2009 to $3.3 million in 2011.

Through the first three quarters of 2012, transactions are at 1,629 units and sales volume is $284,346,785. Overall for 2012, transactions are up 11 percent and new listings are down 8.5 percent compared to the previous year.

"There is an improving housing picture; there is light at the end of the tunnel," said featured speaker Shaun White, vice president of RE/MAX, LLC. "If it was just a matter of interest rates, we&aposd have a booming market. But that hasn&apost moved the needle back. Consumer confidence is shaky today, but better; the unemployment rate has improved, but those numbers are left to interpretation; housing inventories have been up and down," he cautioned.

To learn more about the findings and insights during the RE/MAX Lake of the Ozarks 5th Annual Real Estate Symposium, please visit http://www.bettyellerbroekteam.com/ for information.

About The Betty Ellerbroek Team
Betty Ellerbroek and her RE/MAX Lake of the Ozarks team offers top home buying or selling services. With more than a decade of industry experience tucked under her belt, Ms. Ellerbroek makes the task of searching and owning a home convenient and easy.

For more information on this press release visit: http://www.sbwire.com/press-releases/lake-of-the-ozarks-real-estate-offers-invaluable-market-insights-at-the-5th-annual-real-estate-symposium-180319.htm

Real help for struggling Arkansas homeowners is now available through the new FHA streamline refinance program.

North Little Rock, AR -- (SBWIRE) -- 11/15/2012 -- Arkansas mortgage lender, Doug Nesselrodt has finally announced the release of the FHA Streamline Refinance program which can really help struggling local homeowners since qualifying for this program is easier than ever.

Many homeowners have become weary after years of promises that real help was on the way which would make their mortgage payments more affordable and enable them to avoid falling into foreclosure. However, until now initiative after initiative seemed unable to provide real assistance to property owners with FHA home loans.

HARP 2.0 delivered relief for some homeowners, but only for those with mortgages backed by Fannie Mae or Freddie Mac.

Thankfully, a real effort has been made to assist Arkansas borrowers with FHA mortgages to reduce their monthly payments and take advantage of low interest rates.

This now means there are no appraisals being required to qualify so being underwater or upside down on their mortgage will not prevent homeowners from refinancing. The FHA has also announced that it is waiving the necessity for credit reports and income verification to enable more Arkansas homeowners to qualify. However, it is important to note that individual mortgage lenders all have their own underwriting guidelines which may mean some income verification is needed as well as a credit check but most will still be far more lenient than trying to get approved for any conventional home loan today.

What is really different about the new FHA Streamline refinance program is the reduction in mortgage insurance for those who had their loans endorsed on or before May 31st, 2009. Until now, recent rate increases had eliminated much of the savings for those attempting to refinance or meant they had to bring cash to closing. Now &aposno-cost&apos refinancing is available and that coupled with lower mortgage insurance rates can equal thousands of dollars in savings.

When asked about the new FHA streamline program benefits Doug Nesselrodt of Crosscountry Mortgage Inc. said "This program finally delivers really substantial savings to underwater homeowners and anyone with an FHA loan who has not refinanced in the last six months should seriously consider this option, even if turned down before".

Those interested in finding out more about the FHA Streamline Program or would like to see if they qualify can discover more details on eligibility and receive a customized rate quote by visiting http://crosscountryarkansas.com.

For more information on this press release visit: http://www.sbwire.com/press-releases/arkansas/mortgage-expert/sbwire-180487.htm

Struggling North Carolina & South Carolina homeowners now have access to real help through the new FHA streamline refinance program.

Charlotte, NC -- (SBWIRE) -- 11/15/2012 -- North Carolina & South Carolina mortgage lender, Barbara Frye is now offering a newly revamped FHA streamline refinance program targeted at enabling even the deepest underwater or upside down homeowners to reduce their payments and enjoy current record low mortgage rates.

The newly released FHA streamline mortgage no longer requires a home appraisal and offers incredible savings in addition to many benefits which North Carolina & South Carolina homeowners may not even know exist.

Until the release of the FHA Streamline Refinance program, North Carolina & South Carolina homeowners with FHA home loans have had limited opportunities to receive mortgage assistance.

In addition to incredibly low interest rates and massive savings over the life of your mortgage loan, streamlined refinances offer the following benefits:

- Lower Mortgage Insurance
- No appraisals required
- &aposNo-cost&apos refinancing possible
- Lower credit scores OK
- No loan balance increase to cover loan costs
- Can refinance even if &aposunderwater&apos or &aposupside down&apos
- Minimal paperwork

The Federal Housing Administration (FHA) who insures these home loans actually allows no minimum credit score requirement and no income verification, although each individual mortgage lender may have their own underwriting guidelines requiring a minimum credit score and additional income verification.

Still, what is really unique about the new streamline program is the reduction of mortgage interest for those whose original loans were endorsed on or before May 31st, 2009. According to the FHA this equates to tremendous savings of over $3,000 at closing and over $100 a month for the average borrower compared to the previous program.

This is on top of the ongoing payment savings for a borrower, which could be thousands of dollars per year depending on the loan amount and interest rate change.

Clearly, no borrower could ask for a more simple mortgage program to qualify for and the savings could be quite significant, even for those who already thought they had pretty attractive rates.

FHA Streamline Specialist, Barbara Frye says "these FHA loans are an exciting way for people to enjoy double savings with lower monthly mortgage payments and faster equity building with the long term restructuring".

North Carolina & South Carolina property owners who currently have FHA loans can discover more information on the program and check out the 60 second eligibility form for personalized quotes and savings calculations at http://carolinamortgagetips.com.

For more information on this press release visit: http://www.sbwire.com/press-releases/north-carolina/mortgage-expert/sbwire-180488.htm

Real estate agents associated with the company now have extended hours to be reached regarding properties listed on the website.

Los Angeles, CA -- (SBWIRE) -- 11/15/2012 -- The owner of Cercacasa.it announced extended hours for the holiday season, effective at the beginning of December. With the end of 2012 and the beginning of 2013 quickly approaching, more and more people are in the market to buy and sell property.

According to research, there are a lot of cerca casa inquires during the summer months, as well as the end and beginning of each calendar year. With an influx of questions and people using the website, Cercacasa.it decided to help people looking to cambio casa and find property in different pockets of Italy.

With the recently upgraded cerca casa feature on the website, the real estate agents associated with the website hope that many of the questions can be answered directly from there. For those who still have questions, the agents will have extended weekday hours, as well as weekend hours to be contacted. Questions can be answered, or if people wish to set up an official visit, they can do some at their convenience.

To learn more about the new hours starting in December for the real estate agents, or to look around at current listings, visit http://cercacasa.it/annunci/italia/emilia-romagna/bologna/bologna?contratto=Vendita.

About Cercacasa.it
Serving all of Italy, Cercacasa.it has grown into one of the most trusted online real estate websites in the country. Customers can search or list properties quickly and easily without ever having to leave the home.

For more information on this press release visit: http://www.sbwire.com/press-releases/cercacasait-prepares-for-holiday-rush-180512.htm

A new freehold apartment will be ready for sale in Singapore’ prime Newton district.

Singapore, China -- (SBWIRE) -- 11/15/2012 -- Singapore luxury property market are showing signs of more optimism and less gloom. In a survey of developers and industry players, a percentage of respondents who are still pessimistic has decreased from 35 per cent to 8 per cent. In fact, some areas such as St Thomas Walk district has shown signs of positive gains in prices.

Against this backdrop of optimistic development, a new freehold apartment will be ready for sale soon in Singapore’ prime Newton district. This freehold property is called Liberte, also known as Liberte Sarkies or Liberte at Sarkies, is located within walking distance to future Newton MRT Interchange.

Liberte is located in an area that is very close to future Newton MRT Interchange and the Scotts district, which itself is a prime residential district in Singapore. Liberte at Sarkies is just beside Newton MRT station and because of its location, the investment potential is high for this area. It is a rare freehold newton property. It is also in close proximity to prime shopping district at Orchard Road and other internationally acclaimed amenities.

With new homes in Orchard Boulevard and Anguilia areas costing some $4100 to $4300 per square foot, Liberte’s price will be very attractive compared to these areas. The longer term outlook remains positive given its prime location and limited supply in the near future of new freehold land near Newton MRT station.

Singapore property market remains optimisitc and positive buying sentiment can be attributed to the strong economy, low unemployment rate, rock bottom interest rates and quality projects going at affordable prices.

Investors looking at other Singapore property, are welcome to visit http://www.BuyRentSingaporeProperty.Com for new launch Singapore properties. BuyRentSingapore.Com is a Singapore property listing website.

For more information on this press release visit: http://www.sbwire.com/press-releases/a-new-launch-freehold-apartment-in-singapore-prime-district-180531.htm

Singapore -- (SBWIRE) -- 11/15/2012 -- With Singapore home prices for both private home and public housing (HDB flats) are still rising in the third quarter of 2012, a new freehold apartment in prime Singapore district will be launching soon.

This new launch freehold property along Sarkies Road is called Liberte. It is also know as Liberte Sarkies or Liberte at Sarkies, and its located within walking distance to future Newton MRT Interchange. The current Newton MRT station will be upgraded to an interchange between the North-South MRT line and the Downtown Line by 2015.

Last year, a plum district 9 freehold residential development, Cairnhill Mansions has been put up for collective sale. The estimated asking price per square foot per plot ration is about $2,308 psf ppr. This will mean a new project on the site will have a break even price of about #3,000 to $3,100 psf estimated.

With Liberte Sarkies located so near MRT station and with nearby freehold projects such as Cairnhill Mansions asking for about $2,308 psf in the area, prices for Liberte will be very attractive and still hold potential for future growth.

Liberte Sarkies comprised of only 46 luxurious freehold apartments with sizes ranging from 60 square metre to 122 square metre to suit all lifestyles. Liberte is also located next to the vicinity of the prestigious Scotts neighborhood. It has a rear gate which is right next to future Newton MRT Interchange. From Newton MRT to Orchard MRT is only one station away. Orchard MRT is where SIngapore’s prime shopping district is located.

Investors looking at other Singapore property, are welcome to visit http://www.BuyRentSingaporeProperty.Com for new launch Singapore properties. BuyRentSingapore.Com is a Singapore property listing website.

For more information on this press release visit: http://www.sbwire.com/press-releases/a-great-investment-property-will-be-launched-soon-in-singapore-180489.htm

Oxfordshire, England -- (SBWIRE) -- 11/16/2012 -- The Cotswolds are designated in the UK as an area of Outstanding Natural Beauty, and it is no surprise that they served as the inspiration for artists, composers and novelists for centuries. They attract holiday makers from all over the world to experience the relaxed, pastoral lifestyle and calm British countryside in a unique way. It would be a shame to ruin this experience by not taking it to its fullest extent, and Manor Cottages enable individuals to do just that, by offering out authentic, beautiful Cotswolds cottages for short term and long term lets.

Their website offers an easy search function in which individuals can set parameters according to their needs and budget to find matching cottages, which are featured replete with high quality imagery inside and out, and detailed descriptions of features and facilities. The site has been getting great reviews from tourists for offering cottages that reflect the true Cotswold experience.

The homepage makes use of a dynamic content gallery of featured cottages, as well as a tiled menu showing special offers of up to 20% off the usual price. They also delineate the content by its location in different areas of particular interest and beauty for holiday makers who have a special wish to visit a particular part of the region.

A spokesperson for Manor Cottages explained the advantages, “We offer one of the most comprehensive lists of holiday cottages of any region in the UK, and we also happen to support the most picturesque and beautiful region, which is a handy combination. Unlike hotels, where every room is identical and fitted with the same Ikea sensibilities, subject to the same restrictions and overpriced food and drinks, a holiday cottage offers an authentic charm and unique, homely environment which supports a relaxing holiday experience far better than hard mattresses and pillow mints. We personally expect every cottage we list on the site, ensuring that our high standards –established over twenty years- are fulfilled before we arrange for our clients to spend their holiday there. We have also begun to offer Bath accommodation to the same standard- another area of particular beauty and history in the UK.”

About Manor Cottages
Manor Cottages offer a fine collection of holiday cottages and houses in the Cotswolds, one of the most beautiful areas of the British Isles. Their properties are carefully selected to offer a range of style and charm to satisfy every holiday need and budget. Every property is furnished and equipped to a high standard, as consumers can expect from the Cotswolds&apos leading holiday cottage agency. For more information please visit: http://www.manorcottages.co.uk

For more information on this press release visit: http://www.sbwire.com/press-releases/manor-cottages-gain-great-reviews-for-offering-the-true-cotswolds-experience-for-short-breaks-and-long-term-lets-180534.htm