BIZBUZ is a publication of Ronica Business Enterprises, Inc.-- Making you known to the real world, the whole world

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Sept. '07

A publication of Ronica Business Enterprises, Inc. 

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 Business Enterprises.  The one-stop shop for all your Business and Community  You have received this email because you were a previous subscriber or interested party to our services or products; or have emailed us in the past.  If you prefer not to receive this and future emails, please reply and state "DELETE" in the subject line.  Thank You. If on the other hand you appreciate and like our work, please forward it to all of your own contacts and send us their email so we can send future editions directly to them.  Copyright Protected!  
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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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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.


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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