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By Peter Clark

 Ethical investing is a bit of a buzz word. Get ethical and make money. However when you look behind the buzz there are powerful reasons why you should consider ethical real estate investing in 2008 as one of the best investments you can own. Because ethical real estate investing is still investing, and you need to make a good profit. Ethical investing should be high profit investing so that everyone, including the investor, wins.

Real estate investing in 2008? Haven’t you got to be kidding I hear you ask? Real estate investing in 2008 is dead. Prices are crumbling and real estate can’t be given away. There’s Florida McMansions on eBay for starting bids of $1.

Don’t let that put you off, real estate investing in 2008 is alive and well, if you do it right. Note I said that have to do it right. If you don’t then you can get burned.

Can you do it right on your own? Yes, if you’re really good at it. However there’s a far better way to do it through a publicly traded US company run by one of Americas most respected businessmen, investing in socially conscious real estate.

Socially conscious real estate investing? What’s that?

I’d like to show you one of the best ethical real estate investments that you can own in these hard times.

It’s ethical real estate investing that offers benefits to other people as well as the investor, specifically the people who live in the investment properties and the community.

Let me explain further. One of the best real estate investment opportunities is investing in average homes for average Americans in who live in average suburbs in those cities that go together to make up our country. Homes with values of $100,000 or less, that millions of people live in right now. Homes that are STILL in demand even in the middle of the credit crunch, because - people still need to live in them.

Imagine a company that selects the most promising suburbs for investments, buys large numbers of homes in those suburbs from government our councils at well below market, invests in those suburbs by building social resources like parks and playgrounds and other improvements to improve the overall living standards of those who live there, and refurbishes the houses they buy to a high standard.

All this increases the attractiveness of the suburb to live in, and at the same time increases the value of the homes in those suburbs.

They then sell those homes to investors at well below market value, organize the loan, provide the tenant, guarantee the repayments of 2 years, and the investors profit.

And the local community profits big time too, because of the renaissance created by the newly refurbished homes and community facilities, so everyone wants to live there.

It’s socially conscious real estate investing on steroids. The investor profits, the local residents benefit, and the tenants of the properties benefit.

It’s real and it’s available right now for ordinary investors, or IRA or 401k investors, from a respected US public company.

Want to know more about profitable, ethical Real Estate Investing? Visit Peter’s Website Win-Win Real Estate Investments and find out more about no money down real estate investing at http://win-winrealestateinvestments.com/

How Homeowners Can Protect Themselves in the Current Real Estate Market
By zoltrifoot

 With real estate markets declining around the country and foreclosures on the rise, many homeowners are wondering what they can do to protect not only themselves but also the investment they have made in their home.

Fortunately, there are a number of steps that can be taken in order to stay ahead of the softening real estate market. And it is these steps that we will discuss in this article.

Step # 1 Tax Assessment

Check with either your city or county property tax office to research your current tax assessment. This will tell you what the county or city, states your home is actually worth.

Next you will want to compare this rate to what your home is currently worth based on current market conditions. It is not uncommon for homeowners in several states, such as in California, to discover that they are paying more money in property taxes than they should be based on the value of their home in the current market.

Step # 2 Have Your Home Appraised

You would be surprised that in some states homeowners are paying up to 40% more than they should be. It is very important to know what your homes current value is to determine whether you are paying too much or not.

Taking both of these steps will give you a realistic idea of the value of your home in the current market and ensure that you are not paying more money in taxes than you should be.

Step # 3 Mortgage Rate

If you do have an adjustable rate mortgage it is certainly worth it to consider refinancing your mortgage to a fixed rate mortgage.

Before you actually refinance; however, there are several steps, which you should take first. Begin by inspecting your existing mortgage documents to determine whether you will be penalized for paying off the existing loan early.

In some cases, you may discover that you actually owe more on your home than it is worth. This is actually quite common now among homeowners who took out exotic mortgage loans a few years ago when prices were rising rapidly and the market was red hot. Today; however, this can cause quite a bit of dismay among homeowners who are facing large mortgage payments on homes that have dropped rapidly in value. This has resulted in an unprecedented rise in foreclosures.

While it is anticipated that the market will begin to stabilize sometime next year, you will need to give some careful thought to whether it would be in your best financial interest to simply walk away from such a situation and try to start fresh.

Step # 4 - Refinancing

Additionally, you need to consider how long you plan to remain in the home and balance out that time in comparison to the amount of closing costs you will need to pay when you refinance your home.

While a number of mortgage companies advertise no cost refinance loans you should be aware that such loans rarely, if ever, exist. The costs for refinancing your loan are typically financed in with the loan under this type of arrangement. This means that instead of paying the costs for the loan up front you will be paying interest on them throughout the duration of the loan.

In addition, it is important to research any mortgage company you consider to ensure there have been no complaints filed against them before you refinance your mortgage.

If you plan to remain in your home, it is also a good idea to check your homeowners insurance policy to be certain that it is up to date. This can prove to be critical in the event you suffer any type of loss on your home in the future. If you live in an area that is susceptible to hurricane or storm damage it is especially important to make sure that your policy accurately reflects your home in its current state.

Troy Foote is an accomplished niche internet marketer and author. To learn more about foreclosure please visit Preventing Foreclosure today for current articles and discussions.

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Dino Livanidis- Now is the time to invest.
By dinoliva

 Hi Dino Livanidis here to share great news today for investors in Australia, first home buyers and also mortgage holders.

Reserve Bank has cut a full 1% off the interest rates.

I have been looking at water front properties on the Gold Coast for the

last couple of months and have been using the time period of the

financial economy to our advantage.

If you have invested in a property during these times, well done.

Because if you do your calculations now with the Interest rates cut, you will

find the property you invested in will be reduced on weekly basis.

Making it even more affordable to hold what you have today and possibly even

getting into your next investment.

Properties will increase again in time to come…. WHY you may ask?

Most people were uncertain about the interest rates even with the .25% cut

We had not too long ago, but now with the 1% interest cut this will

bring more buyers onto the market creating a demand for properties which

in turn will make prices increase.

I Dino Livanidis, don’t believe we will see the high capital growths we have experienced but

they will increase and now is the time to get out of your comfort zone and to do it.

All the smart property investors will be out there now investing and you will

find all the watchers will just sit back and wait for signals of prices

increasing and then they will make their move finding they will have to pay

more than what they could have when the market was low.

But that is the difference here between the doers and the watchers.

It’s all about timing and demand.

If people dont want a specific product, no matter what it is, you wont sell it.

But if you have a product that everyone needs and then all of a sudden it

becomes affordable to buy, then the demand will increase. Especially for those

people who have been waiting for this to happen.

What do you think will happen?

People today are paying record rents, now with the interest rate cut they

will start asking themselves, “Do we continue to rent or get our own

place and something we can call OURS and also pay it off instead of paying

someone elses property for them”?

I am proud to say many of my personal clients have invested just in the

last few months and I congratulate them and thank them in believing

what we say.

We always said that interest rates had to come down due to the economic situation

and out inflation.

You see I don’t really care what happens to Shares and our Australian dollar

because its irrelevant to a property investor, all I care is.

1- Demand for rentals?

2- What will it cost me out of my pocket on a weekly basis?

3- How much can I depreciate?

4- What are the interest rates?

5- What is the potential for capital growth in the area?

6- As long as I can comfortably hold it and still live life.

You see if the share market comes down as it has, where do you think

all these people will invest in?

Hint- Something that is solid and you have control.

PROPERTY.

Many people ask me what will happen to property in Australia now

with these financial problems?

I say dont worry about over seas, worry about our country Australia.

Do we have a bad poverty on our streets?

How strong is our inflation?

Are businesses going broke which and every way we look?

Are people loosing their jobs dramatically?

No, to all the above.

So why worry about it, our Country is very strong and we keep

on growing. So believe in your country Australia and forget about the rest of the World, keep an eye on what Australia is doing and how it will affect you and everyone around you.

Other than that keep moving forward and do what you have to do for your future,

because no one else will take care of you later in life only the decisions

you make today and along the way.

If you would like to have a FREE chat with one of my specialists or myself Dino Livanidis to see if we can help you get into n investment property, please go to my NPIS website to register now.

Written by Dino Livanidis

Mining town website http://www.npis.com.au/mining.html

Dont forget to download your free report http://www.npis.com.au/

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