real estate
Real Estate Investment Opportunities within the Twin Cities
July 26, 2011 by Financemyhome · Leave a Comment
To better serve the needs of real estate investors in Minneapolis & St Paul as well as surrounding areas within the Twin Cities, I have recently earned the Certified Investor Agent Specialist™ (CIAS) Designation. With the CIAS, I have the training, tools and calculations to effectively serve the five investor types: First-Time Investor, Move-Up Investor, Portfolio Investor, Performance Investor, and Rehab and Resell Investor.
Real estate represents a consistent and stable way to build wealth, brings liquidity to our housing market, and stimulates our local economy. In fact, in the past year, investment and second-home properties represented approximately 27% of all residential sales. It’s also worth noting that nationwide, 43% of real estate investors earned less than $75,000 per year.
Today, real estate is quite literally on sale! There is an unprecedented opportunity to build wealth through real estate, and I specialize in helping all investors achieve their goals.
Contact me today at 952-929-2577 to learn more about investing in real estate.
In my 26 years of real estate sales, I can tell you the values are extreme. Don’t let this opportunity pass you by. Now is the time to purchase real estate.
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Short Sales, Foreclosures, Bankruptcies, Judgements All in one Transaction
July 11, 2011 by Financemyhome · Leave a Comment
I just had a short sale blow up because of undisclosed tax liens and judgements. The title couldn’t be cleared and we ended up with a mess. Everyone involved has to dismantle and start over again. I couldn’t help but be disappointed. But, in today’s real estate world this is common. It is all about attitude. When life throws you lemons, learn to make lemonade. Yes, it is more complicated than that. Take a look at this video and share it with someone who may have had a set back. It is really powerful and inspirational
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Twin Cities Real Estate-Investment Property In Minneapolis St Paul
June 9, 2011 by Financemyhome · Leave a Comment
This is a recent power point I’ve just put together. It gives you some ideas and information before you begin investing in real estate.
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8 Tips For Finding Your New Home
February 15, 2011 by Financemyhome · Leave a Comment
A solid game plan can help you narrow your homebuying search to find the best home for you.
House hunting is just like any other shopping expedition. If you identify exactly what you want and do some research, you’ll zoom in on the home you want at the best price. These eight tips will guide you through a smart homebuying process.
1. Know thyself
Understand the type of home that suits your personality. Do you prefer a new or existing home? A ranch or a multistory home? If you’re leaning toward a fixer-upper, are you truly handy, or will you need to budget for contractors?
2. Research before you look
List the features you most want in a home and identify which are necessities and which are extras. Identify three to four neighborhoods you’d like to live in based on commute time, schools, recreation, crime, and price. Then hop onto REALTOR.com to get a feel for the homes available in your price range in your favorite neighborhoods. Use the results to prioritize your wants and needs so you can add in and weed out properties from the inventory you’d like to view.
3. Get your finances in order
Generally, lenders say you can afford a home priced two to three times your gross income. Create a budget so you know how much you’re comfortable spending each month on housing. Don’t wait until you’ve found a home and made an offer to investigate financing.
Gather your financial records and meet with a lender to get a prequalification letter spelling out how much you’re eligible to borrow. The lender won’t necessarily consider the extra fees you’ll pay when you purchase or your plans to begin a family or purchase a new car, so shop in a price range you’re comfortable with. Also, presenting an offer contingent on financing will make your bid less attractive to sellers.
4. Set a moving timeline
Do you have blemishes on your credit that will take time to clear up? If you already own, have you sold your current home? If not, you’ll need to factor in the time needed to sell. If you rent, when is your lease up? Do you expect interest rates to jump anytime soon? All these factors will affect your buying, closing, and moving timelines.
5. Think long term
Your future plans may dictate the type of home you’ll buy. Are you looking for a starter house with plans to move up in a few years, or do you hope to stay in the home for five to 10 years? With a starter, you may need to adjust your expectations. If you plan to nest, be sure your priority list helps you identify a home you’ll still love years from now.
6. Work with a REALTOR®
Ask people you trust for referrals to a real estate professional they trust. Interview agents to determine which have expertise in the neighborhoods and type of homes you’re interested in. Because homebuying triggers many emotions, consider whether an agent’s style meshes with your personality.
Also ask if the agent specializes in buyer representation. Unlike listing agents, whose first duty is to the seller, buyers’ reps work only for you even though they’re typically paid by the seller. Finally, check whether agents are REALTORS®, which means they’re members of the NATIONAL ASSOCIATION OF REALTORS®. NAR has been a champion of homeownership rights for more than a century.
7. Be realistic
It’s OK to be picky about the home and neighborhood you want, but don’t be close-minded, unrealistic, or blinded by minor imperfections. If you insist on living in a cul-de-sac, you may miss out on great homes on streets that are just as quiet and secluded.
On the flip side, don’t be so swayed by a “wow” feature that you forget about other issues—like noise levels—that can have a big impact on your quality of life. Use your priority list to evaluate each property, remembering there’s no such thing as the perfect home.
8. Limit the opinions you solicit
It’s natural to seek reassurance when making a big financial decision. But you know that saying about too many cooks in the kitchen. If you need a second opinion, select one or two people. But remain true to your list of wants and needs so the final decision is based on criteria you’ve identified as important.
G.M. Filisko is an attorney and award-winning writer who has found happiness in a brownstone in a historic Chicago neighborhood. A frequent contributor to many national publications including Bankrate.com, REALTOR® Magazine, and the American Bar Association Journal, she specializes in real estate, business, personal finance, and legal topics.
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4 Tips to Determine How Much Mortgage You Can Afford
February 14, 2011 by Financemyhome · Leave a Comment
By knowing how much mortgage you can handle, you can ensure that home ownership will fit in your budget.
Here are six surefire ways you can get your finances in order before you buy a home.
Homeownership should make you feel safe and secure, and that includes financially. Be sure you can afford your home by calculating how much of a mortgage you can safely fit into your budget.
Instead of just taking out the biggest mortgage a lender qualifies you to borrow, consider how much you want to pay each month for housing based on your financial and personal goals.
Think ahead to major life events and consider how those might influence your budget. Do you want to return to school for an advanced degree? Will a new child add day care to your monthly expenses? Does a relative plan to eventually live with you and contribute to the mortgage?
Still not sure how much you can afford? You can use the same formulas that most lenders use, or try another of these traditional methods for estimating the amount of mortgage you can afford.
1. The general rule of mortgage affordability
As a rule of thumb, you can typically afford a home priced two to three times your gross income. If you earn $100,000, you can typically afford a home between $200,000 and $300,000.
To understand how that rule applies to your particular financial situation, prepare a family budget and list all the costs of homeownership, like property taxes, insurance, maintenance, utilities, and community association fees, if applicable, as well as costs specific to your family, such as day care costs.
2. Factor in your downpayment
How much money do you have for a downpayment? The higher your downpayment, the lower your monthly payments will be. If you put down at least 20% of the home’s cost, you may not have to get private mortgage insurance, which costs hundreds each month. That leaves more money for your mortgage payment.
The lower your downpayment, the higher the loan amount you’ll need to qualify for and the higher your monthly mortgage payment.
3. Consider your overall debt
Lenders generally follow the 28/41 rule. Your monthly mortgage payments covering your home loan principal, interest, taxes, and insurance shouldn’t total more than 28% of your gross annual income. Your overall monthly payments for your mortgage plus all your other bills, like car loans, utilities, and credit cards, shouldn’t exceed 41% of your gross annual income.
Here’s how that works. If your gross annual income is $100,000, multiply by 28% and then divide by 12 months to arrive at a monthly mortgage payment of $2,333 or less. Next, check the total of all your monthly bills including your potential mortgage and make sure they don’t top 41%, or $3,416 in our example.
4. Use your rent as a mortgage guide
The tax benefits of homeownership generally allow you to afford a mortgage payment—including taxes and insurance—of about one-third more than your current rent payment without changing your lifestyle. So you can multiply your current rent by 1.33 to arrive at a rough estimate of a mortgage payment.
Here’s an example. If you currently pay $1,500 per month in rent, you should be able to comfortably afford a $2,000 monthly mortgage payment after factoring in the tax benefits of homeownership.
However, if you’re struggling to keep up with your rent, consider what amount would be comfortable and use that for the calcuation instead.
Also consider whether or not you’ll itemize your deductions. If you take the standard deduction, you can’t also deduct mortgage interest payments. Talking to a tax adviser, or using a tax software program to do a “what if” tax return, can help you see your tax situation more clearly.
G.M. Filisko is an attorney and award-winning writer who’s owned her own home for more than 20 years. A frequent contributor to many national publications including Bankrate.com, REALTOR® Magazine, and the American Bar Association Journal, she specializes in real estate, business, personal finance, and legal topics.
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Buying Rental Property In The Twin Cities
January 11, 2011 by Financemyhome · Leave a Comment
Have you ever wanted to own rental property, but were unsure where to start? I teach a class on the topic. I’ve decided to make the outline into a PPT. I cover the information in my class in much more depth and breadth, but this will give you a lot of useful information. If you are interested in discussing purchasing a rental property as an investment, just give me a call and we can set up a time to meet and review how I can help you become a “real estate mogul”.
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Is There An Opportunity Right In Front Of YOU
January 4, 2011 by Financemyhome · Leave a Comment
I just watched an amazing video which I’ve posted below called the Money Tree. There are so many different interpretations. One that struck me was that people are oblivious to opportunity that is right in front of them. How many of us are looking for something that we already have or is within our reach? How many people are NOT buying real estate today when they could be looking at this as an incredible wealth building opportunity for what it is over the long term-assuming properties rise again in value? I was showing homes this past weekend. It was incredible to see townhomes in great communities selling for 40-60% less than they had sold for just as little as 5 years before. Luckily for my client, we are going to make an offer and ACT. Watch this video and don’t let the opportunities in your life pass you by. Don’t let life pass you by. Happy New Year and may 2011 be your best yet!
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Getting Ready to Sell Your House
December 9, 2010 by Financemyhome · Leave a Comment
While most experts see little good news in 2011’s housing market, economic downturn is no reason to neglect maintenance on a home or lose sight of future plans to relocate.
The critical issue is planning intelligently for what spending you do now to make sure it’s worth your money later. And even if your plan to sell your property is more than a year away, it’s not a bad idea to get your finances in order as well. In the coming months, you’ll be addressing tax issues, so it’s a good time to look at your overall financial picture with a qualified financial planner as well as a trained tax expert.
The October MacroMarkets Home Price Expectations Survey doesn’t see a meaningful increase in home prices until 2012, though appreciation is expected to go up on average more than 14 percent through 2014.
As you wait for your opportunity, here are some ideas to incorporate in your planning:
Check your credit report and score: If you plan to finance a new property once you sell, it makes ample sense to lower your debt and clean up any discrepancies in your credit data well in advance of any move into the market. Remember, you are entitled to one free copy of each of the major credit reports in any given year, and you can obtain them from one resource – www.annualcreditreport.com. Avoid all the services with expensive TV commercials calling themselves “free” – if they ask for a credit card number, you are not getting a free report. Also, so you can spot discrepancies and keep a watchful eye on the possibility of ID theft throughout the year, stagger your receipt of your reports from Equifax, Experian and TransUnion (the major credit ratings agencies) at different points during the year.
Get a home inspection: Go through local channels – lenders, friends, real estate professionals you trust – to find a licensed home inspector who can look over your property and help you develop a list of potential repairs and upgrades that you can do economically given that you’ll have months before you put the property up for sale. Checking your home’s structure – roof, foundation, windows, etc., as well as its mechanical parts – heating/AC, installed appliances, plumbing – can give you an early warning system for expensive repairs that a prospective buyer’s inspector would find anyway. Try now to make sure there are no problems that will kill a deal later.
Ask a trusted broker for advice: Structural experts can determine whether your home is working properly – real estate brokers may or may not be equally expert at spotting these flaws. But generally, they can be trusted on matters of appearance – whether the grounds around the home are well maintained as well as whether the home’s interior is inviting to the eye of potential buyers.
Don’t overinvest in improvements: In the 1990s, spending $40,000 on a kitchen in many neighborhoods could recover that amount of money and more in the final sales price. In today’s market, those payoffs are a distant memory. Experienced brokers generally do a good job steering you away from overpaying for improvements, but there are other resources to doublecheck the spending you’re planning to do. Remodeling Magazine’s latest Cost vs. Value report provides estimates on specific projects by region, including projections on cost recoupment.
Appeal your property taxes: If you’ve never appealed your property taxes before or have not done so in many years, do so when your appeals period is open. Lowering your taxes as much as possible may help make your property more salable.
Declutter and don’t re-clutter: Start making a list of items you might donate – furniture, clothing, household items, etc. Make sure they’re in good condition and if you’re having trouble setting a value, check on eBay or other auction sites to see if you’re being fair to yourself while not drawing the attention of the taxman.
December 2010 — This column is produced by the Financial Planning Association, the membership organization for the financial planning community, and is provided by John Mazzara 952-929-2577 john@johnmazzara.com , a local member of FPA.
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Minnesota Foreclosure And Distressed Home Fact Sheets PLUS Twin Cities First Time Buyer Special Programs
November 19, 2010 by Financemyhome · Leave a Comment
I have mentioned it before, but I really am impressed with the Minnesota Home Ownership Center. I frequently get calls from people who need to find information about how best to deal with a distressed real estate situation. You must visit their website and bookmark it for future reference. Here are just some of the links you need to look at:
Foreclosure & distressed property fact sheets
http://hocmn.org/en/fp-factsheets.cfm
Counseling Agencies that work with HOCM
http://hocmn.org/en/partners.cfm
List of Down Payment/Grant Assistance in Various Areas
http://hocmn.org/Stock/Editor/file/Matrix/EntryCostMatrix_Oct2010.pdf
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Top Seven Tips For Home Buyers
November 16, 2010 by Financemyhome · Leave a Comment
Recently I was asked to create a list of top tips. Here is my list. I have been selling homes for over 25 years. I hope these help you make better choices and improve your real estate making decisions.
1) Before you begin to search for a home, always get prequalified FIRST. Seek out an experienced mortgage broker to arrange your financing. Even if you think you want to use a large bank, at least see what a broker has available. In fact, you may find that a broker can deliver the same mortgage to you cheaper from the “same” large bank you were considering. Generally, brokers have access to wholesale pricing as well as more products and programs than traditional large banks or in-house type lender arrangements that you find at large real estate companies. Besides pricing, you might find special grant money or unique loans that otherwise would not be made available. Also, regarding special programs, if you can identify the cities or areas you might be interested in, you may want to call the local HRA (housing redevelopment authority) and see what they offer. Today, we are seeing special programs for purchase or post purchase rehab of foreclosed and short sale properties from the cities themselves. The FHA 203K loan is a program that can be used for rehab on any home. It is not tied to any city or any property specific status. There are a couple of versions of this loan-limited and extensive rehab. FHA loans have size limits that vary based on the geographic location of the property. Not all lenders make this loan available, so seek it out if it is of interest.
2) Look at all homes for sale. Don’t exclude any specific sector of the market. Initially, you may have wanted to run away from short sales, foreclosures, and auctions. Ultimately, once you get a feel for the marketplace, you may actually decide to focus on distressed properties. When buying in the distressed segment be prepared for a more complex process. Knowing that upfront will help. Depending on the community, almost 50% of the transactions are not “traditional” sales. Distressed sales often sell for what the market will bear, whereas traditional sellers may be unable or unwilling to adjust to the realities of the market. Until job creation comes back and our economy starts growing beyond anemic levels, expect distressed home sales to be a large part of the market. Frustration may set in but don’t allow it to influence an otherwise good decision in your purchase. Don’t be put off by some dirt and light repair, analyze the structure and the location.
3) Look to your Realtor as a partner. Loyalty works both ways. An agent only gets paid upon a successful closing. We only stay in business with happy repeat clients and referrals. Most Realtors will work extremely hard for you if you work exclusively with them. Agents work on commission, so they need to know that they will eventually get paid for their time invested in helping you find the right home. If you are an investor and you approach five different agents to “call me” when you get a really good deal, you will probably never get a call. If on the other hand, you work with one agent who you assume is competent, you will get a phone call when they see something that meets your criteria.
4) If you are an investor or want to become one, seek out agent representation from someone who knows the rental property market. The rental real estate game can be rewarding but can also cost you a lot of money and aggrevation if you make a mistake. How can an agent who has never been a landlord really give you good advice on how to buy and manage rentals? Not all agents have the same level of experience. This is a recommendation not to be taken lightly. You want to be “educated” not provide someone an education at your expense.
5) Be prepared to engage technology in your search. Twenty-five years ago we used MLS books and did open houses. Today, we use virtual tours, websites, blogs and auto generated emails to deliver properties to your in box. The internet opens up information to everyone in a very user friendly way. If you are a younger buyer, you are probably engaging in texting, email, and video. The agent you choose should be embracing technology and be able to deliver the information you need in the way you want it delivered.
6) Have a home inspection upon an accepted purchase agreement. Don’t come away from the inspection and expect that everything in the home that is reviewed must be fixed at the seller’s expense. An inspection, in my opinion, is to discover hazardous items or items that would require a very large expense to change or repair that you were not initially aware of. Remember, an existing home is not a new home. This means it will have various amounts of obselecense and required repairs. An inspection report is not meant to be a renegotiation tool or checklist. I think the best home inspection is the one that makes you feel comfortable after “getting to know” your new home so you can make a purchase with “your eyes wide open”. Give your inspector permission to tell you are buying a great home. Otherwise, he or she may feel they have to manufacture some item of concern in order to justify the expense of the report.
7) Use an independent title company to do your closing. The buyer is allowed to choose their title company. The captive title companies (known as affiliated business arrangements) which are tied to the real estate or mortgage company are often not as competitively priced as outside vendors. When have you or someone you know ever directed the selection of the closing/title company? If you are like 99% of the people, the answer is never. Yet, this one simple recommendation could save you hundreds of dollars.
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Twin Cities Home Prices Fall, Affordability Up
September 4, 2010 by Financemyhome · Leave a Comment
According to the Minneapolis Area Association of REALTORS newest figures, the Housing Affordability Index is up 4.5% in November 2007 versus November 2005, from a value of 132 in 2005 to 138 today.
While this is an improvement from much of 2006 and 2007, it is still substantially lower than the index’s record of 160, set in 2003. The index’s low of 122 was set in 2006.
The Housing Affordability Index formula measures housing affordability for the Minneapolis/St. Paul market. An HAI of 138 means the median family income is 138% of the necessary income to qualify for the median priced home using a 20% down payment, 30-year fixed mortgage.
The October 2007 Median Sales Price for Twin Cities homes fell 3.5% from a year ago and 4.3% from two years ago, to $220,000. The Median Sales Price is the price at which 1/2 of the homes sold for more and 1/2 of the homes sold for less.
While this sounds like negative news, pricing is all relative. The only people who suffer in a falling real estate market are the downsizing & downpricing homeowners. For those who bought in the last few years that are trying to sell today will see red ink on the sell side but will see savings on the purchase of their new home. Most of all, first time buyers and move-up buyers are definitely winning in this market. The future of the Twin Cities real estate market is not certain, but most experts believe we will be in for at least another 18-24 months of a slow real estate market before we find returning strength and balance between buyer and seller demand.
Edina Realty agent Aaron Dickinson works with buyers, sellers, banks and investors in the Twin Cities, MN area and is the author of the Twin Cities Real Estate Blog and Minneapolis Real Estate Blog
Article Source: http://EzineArticles.com/?expert=Aaron_Dickinson
http://EzineArticles.com/?Twin-Cities-Home-Prices-Fall,-Affordability-Up&id=835411
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Benefits of Relocating to Minnesota Include Affordable Twin Cities Real Estate
July 20, 2010 by Financemyhome · Leave a Comment
Benefits of Relocating to Minnesota Include Affordable Twin Cities Real EstatBy John Mazzara
If you are looking for a great place to relocate, you’ll find that relocating to Minnesota is an excellent option today. Whether you are from California, New York, Mississippi, Texas, or even Ohio, you’ll find that Minnesota is a wonderful place to move. There are a variety of reasons that moving to areas in Minnesota, such as Minneapolis Minnesota or even St. Paul, is a great idea. You’ll find that this state has much to offer you. Of course before you decide that this is the right place for you, it’s important that you take a look at the general benefits of relocating to Minnesota and at the real estate market in the state as well.
General Benefits of Relocating to Minnesota
If you’re considering Minneapolis, Minnesota or another city in the beautiful state of Minnesota, you’ll find that there are many general benefits to relocating to Minnesota. Here is a closer look at some of the excellent general benefits you’ll enjoy when you decide to move to this state.
- Benefit #1 – Excellent Schools with Great Performance – First of all, you’ll find that Minnesota has excellent schools with great performance. In fact, many of the schools in the Minneapolis area actually score very highly when it comes to the No Child Left Behind guidelines. If you happen to have children, more than likely great schooling is a high priority for you, so excellent schools are definitely a drawing point.
- Benefit #2 – Easy Commutes to Work – You’ll find that most Minnesota homes are actually located so that you have a reasonable and easy commute to work. This is an important consideration for working families, especially with the recent hikes in gas prices.
- Benefit #3 – Reasonable Taxes – Taxes on real estate in the area are fairly reasonable as well. In some places across the country, real estate taxes are skyrocketing, but the taxes in many locations are quite low within the state of Minnesota.
- Benefit #4 – Great Jobs Available – Jobs in Minnesota are plentiful, which is another great benefit to relocating to this area. There are many great jobs that are available and with the growth in the job market, many families are finding that this area is a great place to relocate to. Especially in the St. Paul and Minneapolis areas, you’ll notice that there are excellent jobs that are available, which is definitely a top drawing point.
- Benefit #5 – Cost of Living is Relatively Low – Compared to many other regions in the United States, you’ll find that the cost of living is relatively low. Although prices have been driven up due to increases in gas prices and the real estate market troubles recently, you’ll find that comparatively the cost of living is lower than many other places around the country today.
The Real Estate Market
No doubt you are interested in the real estate market as well if you plan on relocating to Minnesota. Whether you are planning to buy in a rural area or you are interested in twin cities real estate, there are some things that you need to know about the market before you make your decision about the relocation. Let’s take a look at the real estate market and how it’s looking for families that want to relocate to the area.
- Real Estate is Going for Low Prices – First of all, you’ll find that real estate is going for low prices right now. In fact, you’ll find that twin cities real estate is down and homes are going for very low prices. Although this is not necessarily a good thing for those who are selling, it’s great for you if you want to relocate to this area and find Minnesota homes for a great price. The low prices definitely are attractive if you are considering a relocation to the Minnesota area.
- Many Types of Real Estate Available – You’ll also find that there are a variety of different types of real estate available that you can choose from if you move into the area. You can purchase nice single family Minnesota homes, but they are not your only option. You’ll find that condominiums, apartments, and even town homes in the area are excellent choices as well.
- Mortgage Rates are Low – Right now the MN mortgage rates for Minnesota properties are low, making it a great time to purchase a Minnesota home. This means that not only will you be able to find a great deal on your home in the area, but you’ll also be able to find great rates on the mortgage that you need as well.
As you can see, there are definitely a variety of great benefits to relocating to Minnesota. If you are looking for quality schools, great jobs, reasonable real estate prices, and low rate mortgages, then Minnesota may be a great place for you to move in the near future. Take the time to find out more about the real estate options that are available to you today.
Minnesota Realtor and Minnesota mortgage broker-John Mazzara-Sells and finances homes throughout the Twin Cities metro area. John works throughout the Twin Cities and lives in Edina, MN. I service the entire 7 county metro area. If you are looking for relocation resources visit our site at http://www.TwinCitiesRelocation.com We would be happy to provide relocation information about housing and schools for communities in and around the metro area. You can begin your Minnesota real estate MLS home search immediately online through the links at http://www.MinnesotaRelocation.net We provide a number of useful links, reports and demographic information about Minneapolis homes, St Paul homes, and MN real estate. On our mortgage website you can apply for a mortgage. We broker loans only in MN. Our mortgage products include FHA, VA, rural loans, conventional loans, lines of credit, and reverse mortgages. If you are relocating to MN or even just moving across the city or state of MN you will find our sites useful. Minnesota provides a wonderful quality of life-low crime, excellent schools, and major attractions such as lakes, shopping, and entertainment.
Article Source: http://EzineArticles.com/?expert=John_Mazzara
http://EzineArticles.com/?Benefits-of-Relocating-to-Minnesota-Include-Affordable-Twin-Cities-Real-Estate&id=1747796
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Minnesota Real Estate Newsletter Gives Access To Great Computer & Life Tips
October 2, 2009 by Financemyhome · Leave a Comment
I maintain a number of real estate sites, blogs, and newsletters. One newsletter that provides a number of computer tips to help you function better with a computer is http://www.REcyber.com/cybertips/r11627 The site is full of cyber space tricks and great places to visit. We have link to this site on the list of MN Real Estate links, but I wanted to highlight this particular newsletter because it different from what most agents provide. From this newsletter, you can also access all the back issues-from 2001 and beyond. It is really quite a useful resource-spend some time there if you have a chance.
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