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SO WHAT'S THE
BUZZ?
Editorial
Life's
GREAT... for some, for others, to say the least....
Life's a ?><?+* ... Wouldn't it be SO COOL.. if
all the HAVEs would help all the HAVENOTs? Instead the HAVES are too
busy competing with other HAVEs and they all forget that the reason for
their success lies mostly in the hands of the HAVENOTs!
Take the Retail Giant - WALMART! How many HAVEs do
you see in Walmart compared to the HAVENOTs? Who has put the BUZZ in
Walmart's BUZZ.Yness.... You know the answer. On a scale of 1 to
10, the HAVENOTs are way up at 10. Most of the world shop at WALMART
not because they are the friendly giant, but because that's all they can
afford, because they like the low prices, because they don't care about
quality or brand name, or just maybe because they have learnt that brand
name, quality and cost are sometimes disproportionate to the contents of
your pocketbook... You know who you are! ... Are you a HAVE?
or are you a HAVENOT? If you are a HAVE, What have you done lately to make the life of
a HAVENOT better? Find a charitable institution.. give a dollar a
day... give to one, two.. i don't care how many... but just give....
give.... so others may have a chance to live.. put the buzz in
someone else's world.. will you?... Oh! and when you give, ensure its the
HAVENOTs who are the beneficiaries or your generosity.
I often go into the stores and the malls to past my time
.. not to shop... no no.. my needs are a lot less lately... i go because i
have so much free time now.. I hate being alone, and I enjoy watching and
interacting with complete strangers.. I learn so much about the world as
an observer..... sometimes I just watch people watching the stuff in the
stores, wishing they could buy....
sometimes, I just give a dollar or two to someone in need. It gives
me great satisfaction. Life is not about who you are! Life is
about what you can and do for others. The great givers are not always the
wealthiest... (e.g Mother Teresa, and Gandhi) and its also not only about giving
money. Most of the wealthy give with strings attached anyway...
either for tax purposes or for name and fame. Giving can be a simple
task, such as, putting a smile on someone's face; its about feeding
the hungry, consoling and comforting, encouraging, motivating, and showing
the way to a better life. Giving is about detaching from what
is rightfully yours and putting it in the hands of someone else.
One day, I dropped a friend to the aiport. As we pulled up to the
curb, the porter came to get the luggage. We said politely..
"thanks, but no thanks". As my friend left, and I started
to drive off, the disappointed look in the face of the porter
appeared in my face and a guilt complex came over me... I reversed my car,
called out to the fella .. and gave him three (that's all.. yes three)
dollar bills. His face lit up; he thanked me and thanked me and
asked God to bless me.... My day was made. That little
act of giving.. put the BUZZ in the man's day; as well as in
mine! Be nice, look around and help someone in need.
Share and Care ... As
the saying goes: GOOD THINGS COME TO THOSE
WHO GIVE WITHOUT ATTACHMENT! And NO... I am not an
ANGEL! I just enjoy putting a smile on a face. I learnt the
hard way.. life is not about me.. its about WE ....Ronica Jaipershad
, Editor & Publisher
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The BUZZ is a publication of Ronica
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" WE PUT THE BUZZ IN YOUR
BUZYNESS"
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MARKETS BUZZ:
FINANCIAL TIMES HEADLINES:
What's the effect on the latest
interest rate decline? see below for press articles... word has it
that many of the lenders will be once again introducing creative programs
to encourage buyers to come forward and purchase properties..
- Economist
warns of US housing downturn
- There will be fresh economic shocks on the scale of
the current credit squeeze if US house prices continue to fall, one of
the country's leading housing experts warned on Wednesday.
- Stocks
soar as Fed makes sharp cut in rates
- Global stock markets surged after the Federal Reserve
moved aggressively to head off the risk of a sharp slowdown in the US
economy on Tuesday, cutting interest rates by 50 basis points to 4.75
per cent.
- US
stocks start off on continued upswing
- Wall Street stocks saw a higher start on Wednesday
after new consumer price inflation data was reported in line with
expectations while bond yields and the dollar were mixed.
- Credit
squeeze hits Morgan Stanley
- Morgan Stanley reported third-quarter earnings on
Wednesday that failed to meet analysts' expectations after reporting a
$940m loss on leveraged buyouts and fixed-income trading.
- European
shares surge after Wall St rally
- European equity markets rallied strongly on Wednesday
following the US Federal Reserve's move to cut its main interest rate
by half a percentage point to 4.75 per cent.
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Ronica Jaipershad
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REAL ESTATE AND
MORTGAGES BUZZ: Buy, Sell,
Invest?
STOP EYEING AND START BUYING ... DON'T BE LEFT OUT
We all know it... its become a BUYER's Market.
But, if it is, why are there so much more listings than contracts?
What are the buyers waiting for? How come they are only eyeing and
not buying? Where are all these good deals?
Sellers are still not yielding to the fact that they will not get their
asking prices. They are not even getting close to their
asking. So Why are they holding on? What do they know that the
buyers don't? The news is aBUZZ with foreclosures; the latest
interest rate reduction will surely spur some activity in the
markets. But, will it save the dying day for those who are already
burdened with high interest rates, mortgage payments they can't afford,
high property taxes, insurance hikes and associated problems? Will
it spur sellers and buyers to make deals? My opinion.... sellers
will still hold thinking that now the rates are down, buyers will come and
this will increase demand which will in turn result in competitive bids
for their properties and give them the opportunity to choose from the list
of bidders. Buyers on the other hand, are still waiting to see if
sellers will reduce their asking. So ... its stalemate. Hardly
selling; Hardly buying. The market is oversaturated with
listings. Yet transaction volume remains low. Buyers are waiting for sellers to
lower prices; and sellers are waiting for buyers to come.
There is definitely an oversupply of properties on the market.
However, with
good negotiation skills, and sound knowledge of the marketplace, buyers
can walk away with good deals. Do your research. Ask
us to help you. You can make money in this market by buying with
future equity and much lower than asking price.
Many of you have asked me about
foreclosures. Everyone wants to buy foreclosures. There are
plenty on the market. But buying foreclosures is like going
after a needle in a haystack. Your best bet to acquiring
foreclosures is to ask for help from those who know how. Its a
process and there are several parties in the game. It usually takes
some time from finding the property to closing the deal. So you have
to decide that you want to property and work through the process with
patience and persistence. There is definitely the opportunity for
acquiring equity at a low cost, in the foreclosure market. Contact an expert and get help if you want to tap into this market.
NAR: Fed rate cut makes homebuyers winners
“We believe that the Federal Reserve Board made the right
move … in lowering the interest rate,” says NAR President Pat V.
Combs. “Making borrowing more affordable will make money more available
and this could go a long way in helping turn around the sluggish housing
market. The housing market has been correcting itself and restoring
affordability. With interest rates on many conventional loans still at
near historic lows and today’s rate cut possibly making loans even more
affordable, we believe the housing market will begin to recover over the
coming year.”
- Economist
Predicts Housing Downturn
WASHINGTON (AP) - An economist who has long predicted this
decade's housing market bubble would deflate said the residential
real estate downturn could spiral into "the most severe since
the Great Depression" and could lead to a recession.
- Congress
Asked to Lift Debt Ceiling
WASHINGTON (AP) - Treasury Secretary
Henry Paulson told Congress on Wednesday that the federal government
will hit the current debt ceiling on Oct. 1.
- Investors
Hunt for Effects of Rate Cut
NEW YORK (AP) - A big rate cut by the
Federal Reserve and the stock market's huge rally in response to
that move has many on Wall Street wondering: Now what?
NEW HOME STARTS
The U.S. Commerce Department reported Wednesday that construction of
new homes fell by 2.6 percent in August to a seasonally adjusted
annual rate of 1.331 million units – its slowest level in 12
years.
COMMERCIAL
Most commercial real estate markets are enjoying relatively low
vacancy rates and healthy rent growth from a fundamentally sound
economy, according to NAR’s latest Commercial Real Estate Outlook.
“These fundamentals will continue to support commercial real
estate markets in 2008,” says NAR Senior Economist Lawrence Yun.
TAXES
There are just three months left for self-employed real estate
professionals to make the right moves to cut taxes without provoking
the IRS, which has announced that it will scrutinize more
small-business returns because owners underreport their income.
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FOR ALL YOUR REAL ESTATE AND MORTGAGE NEEDS - CONTACT
REAL1 FLORIDA REAL ESTATE SERVICES
Lic. Real Estate Broker
Ronica Jaipershad
813-931-0238 - Tel
813-331-5316 - Fax
ronica@ronica.com
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Call us. We will work with you till we satisfy your purchase
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