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Acquisition strategies for existing home owners and new buyers tend to make many costly mistakes. But with the climates ever changing cycles, and the 10 year note being a commodity and trading daily. There is other ways of getting this right the first time, like any home remodeling being done your only as good as the Diy electric tools you have available, perhaps that tool chest looks a little sparse in today’s economy also. Consult an expert or practitioner in every field you want to get better in, and soar with the results. 
When refinancing a 30-year mortgage, too many people start from the beginning again. When you refinance a 30-year loan that you’ve had for five years, pay off the new loan in 25 years. Just ask the lender to amortize the loan for the remaining period of the old loan, this will give you that edge because if you have made it this far chances are you only have three feet to go.
The government’s Cash for Clunkers auto rebate program is over, but the appliance rebate starting early this year could give Americans some cash back on other purchases.
The Energy Star rebate program, passed last February as part of the American recovery and Reinvestment Act, will give rebates to consumers who replace certain home appliances with energy-efficient models. The program was designed to stimulate the sagging economy as well as conserve energy by taking inefficient appliances out of commission, a spokesperson for the U.S. Department of Energy said, the agency administering the program.
“It was a triple goal,” they say. “To increase energy efficiency, give a break to consumers in this economy and give a boost to the appliance industry.”
If you thought home prices were bottoming out, you may be wrong. They’re expected to head a lot lower. Real estate values are predicted to drop in 342 out of 381 markets during the next year, according to a new forecast of real estate prices. Overall, the national median home price is predicted to drop 11.3% by June 30, 2010, according to Fiserv, a financial information and analysis firm. For the following year, the firm anticipates some leveling off with prices rising 3.6%. In the past, Fiserv anticipated a quick drop in home-sale prices over the past few years — though it underestimated the over all theme. ![3 day classes for investors only [go to contact page]](http://www.my-diy-blog.com/wp-content/uploads/2010/01/thumbnail-12.jpg "3 day classes for investors only [go to contact page]")
Mark Zandi, chief economist with Moody’s Economy.com, agreed with Fiserv’s current assessments. “I think more price declines are coming because the foreclosure crisis is not over,” he said. In fact, those areas with high concentrations of [short-sale] foreclosure sales opportunities will experience the steepest drops, according to Fiserv. Miami, for example, is expected to be the biggest loser. Prices are forecast to plunge 29.9% by next June — after having already fallen a whopping 48% during the past three years. If Fiserv’s forecast holds, Miami real median home price will tumble to $142,000 by June 2011. In Orlando, Fla., the second-worst performing market, Fiserv anticipates a 27% price collapse by June 2010, followed by a less severe drop the following year. In Hanford, Calif., prices are estimated to drop 26.9% and continue falling 9.5% in 2011; in Naples, Fla., they’re expected to fall 26.8% and then flatten out. Other notable losers include Las Vegas, where prices have already fallen 54.6% and are expected to lose another 23.9% by June 2010. In Phoenix values have already collapsed by 54% and could fall another 23.4%. In both cities, Fiserv anticipates the losses to continue into 2011, but they will be less than 5%. More and more opportunities for the Real estate investor to get to investing, the time could never have been more right.