What Parker Colorado Has to Offer and How Parker Realtors Can Help

By Bruce Durrell

It's always a good idea to talk to Parker realtors before you decide to purchase a new home in the area. 20 miles Southeast of Denver is Parker Colorado which has attracted new residents for a number of years. Its small, family community is preferable for many people traveling to the area, but it still provides all of the entertainment and shopping you are searching for nearby. New home owners will also be fascinated by the fresh mountain air and beautiful scenery that the Rocky Mountains have to offer.

Parker realtors can tell you all about the cities fascinating history, which started out as a stage stop and railroad depot for trains from Denver in 1863. Parker is no longer just a small train depot as it houses more than 45,000 people. The town replaced the Pine Grove Way Station with Parker Station which still continues operations. Parker still offers its trademark 5 globe street lights that you can view while walking downtown.

Your new home in Parker will have to take into consideration your budget and what type of home you want. If you know these two factors then Parker Realtors will be able to help you fin the home you need. The city has several different communities that are sure to meet your taste, whether you are looking for a small conventional home or a large ranch. Homes in Parker average around $300,000 and condos average out to be about $150,000. This is much more cost efficient in comparison to living in Denver.

You should also ask Parker realtors about the amenities each community has to offer. The city is home to The University Center at Chaparral and Arapahoe Community College, but the University of Phoenix - Colorado Campus and Community College of Aurora are only 15 miles away as well. The Parker recreational department is often praised for its veracious parks, paved trails, and the well known H2O'Brien water park. Parker also offers public activities that your family can enroll in. Children may find the in-line skating rink and indoor turf field a great place to go. There is also a area hospital that is located just outside of the city.

Local festivities encourage everyone to attend and have a part in. After moving into a new home residents will take some time to visit the county festival as well as the Parker Mainstreet Omnium. The city also puts on a special Christmas Carriage Parade and multiple concerts in the park. There is always something going on, so be sure to ask Parker realtors about something that might be of interest to you!

All in all, Parker is a great town dedicated to a quiet family lifestyle. If you have children then you may want to ask Parker realtors about the 15 schools that the city offers. With new residents always arriving you can expect to meet multiple people as well as be warmly welcomed into the Parker community. - 23305

About the Author:

Bruce Durrell is a Parker realtor who has helped customers buy and sell homes and investment properties all throughout the Greater Denver area, Aurora and the southern suburbs. Read more and get in touch with them today by visiting Parker Realtors which is full of great information about Parker homes before making any decisions!

Financing Options for Rental Property

By David McCammon

Lots of people are now finding that rental property can be an excellent way to create wealth. If you are considering getting involved in rental property investing, it is a good idea to educate yourself as much as possible. First, you need to find out what it takes to become qualified to purchase investment property because it is actually somewhat different than becoming qualified to purchase a normal home.

One of the reasons for this is the fact that a significant number of investors either walked away from properties or declared bankruptcy during the early 1990s. While you should certainly not be punished for someone elses problems, neither do lenders want to be left holding investment properties. Therefore, it is important to understand that the requirements for being approved for a mortgage on rental properties are somewhat different from what you may be accustomed to.

Property can often be purchased with low money down, especially if you are a first-time home buyer this is often not the case with rental property. Many lenders require a minimum down payment of 15% or even 20%.

There are many different sources you can tap into for possible financing. These options include: Mortgage broker Local savings and loan or bank Private lender FHA; Federal Housing Association

It matters not which option you choose, you will find that most lenders will want to be assured that you will have a sufficient amount of rental income in order to cover not only the mortgage payment but also other expenses such as insurance, taxes and maintenance. Depending on the amount of income that will be provided from the property, some lenders sometimes actually require a larger down payment.

There are many types of loans which you can use to finance the purchase of a rental property. One option would be a residential loan. This type of loan can be used to purchase from one to four units. The exact options that are open to you often depend on whether the property will be occupied by the owner.

An even other option would be a commercial loan. This is an option when the property is five units or more or it will be non-owner occupied. Due to the fact that it is a commercial loan, it is often far different from a residential loan in regards to terms and requirements. One of the main differences between a commercial loan and a residential loan is the fact that fees and rates are very often higher on loans like this.

Sometimes a larger down payment is also often required. The down payment on a commercial loan typically runs between 25% and 35%. While there are some lenders who may be willing to agree to a higher loan to value ratio; the requirements for qualifying for such loans are often much more difficult.

The owner will also carefully examine the ability of the property to generate a cash flow that will allow you to repay your loan. As a result, the lender will typically examine the property to ensure it can provide an income that will not only allow you to cover the mortgage payments and other expenses but also provide enough of a cash flow that you will have additional income to place into other places.

Private party lending is another option for many prospective investors. One option would be to approach the current owner about seller financing. With this option the owner carries back the loan for a down payment and fair interest rate. You may find that you can save lending fees with the options and may also be able to take advantage of making a smaller down payment.

A different loan option would be what is known as a hard-money loan. This is a type of short-term financing where a third-party makes a loan to assist the investor with purchasing the property. Generally, this type of loan involves a higher interest rate due to the fact that the buyer has poor credit or because the property is in disrepair.

FHA programs are frequently offered through traditional lenders. Keep in mind; however, that FHA does not actually lend money. They do provide insurance for lenders; offering numerous loan programs. Regardless of which financing tool you choose, remember that there is always the option to refinance at some later point in order to obtain a better rate and terms. - 23305

About the Author:

If the thought of making money greatly in the wide world of real estate investing excites you, then you ought download Davids free report and Free Real Estate Course. To find out the quickest and most profitable strategies visit Davids website Real Estate Investing.

S&P Futures Explained (Part II)

By Ahmad Hassam

S&P futures contracts are valued in ticks worth 0.1 index points or $25. Regular trading hours for S&P futures contracts are from 8:30 A.M to 3:15 PM. S&P futures contracts are another example of how 24 hours a day trading enables traders to respond to economic news releases in pre-market and after-market sessions.

The evening session starts at 3:30 PM (15 minutes after the close) and continues on the Globex until 8:15 AM overnight. Individual contract holders are limited to no more than 20,000 net long or short contracts at any one time.

A price limit is how far an S&P futures contract can rise or fall in a single trading session. The limits are set on quarterly basis. If the index experiences major declines or increases beyond these limits, a procedure is set in place to halt trading. If these price limits are crossed, circuit breakers are triggered.

Collar Rule: The collar rule addresses price swings related to program trades that move the Dow Jones Industrial Average (DJIA) more than 2% by requiring index arbitrage orders, or orders that bet on the spread between the futures and the cash of stock indexes to be stabilizing. This limits the traders from piling buy or sell orders in an attempt to exaggerate the gains or losses of the market. What this rule does is limit the chance of huge gains or losses as a result of futures trading.

Overnight or pre-market trading can be thin and dangerous especially during slow seasons in the stock market such as summer, fall and around the winter holidays. Once you have mastered futures basics such as the performance bond margins, the mark to market requirements and the account specifics, its time to learn how a futures contract ticks.

CMEs most actively traded contracts are Eurodollar futures and S&P futures including the E-minis. Hundreds of futures contracts trade on the federally regulated futures exchanges in the United States. Each of these exchanges trade contract that are somewhat unique to it.

E-mini S&P Futures contracts: The E-mini S&P futures contracts (ES) are among the most popular stock index futures contract because they enable you to trade the markets trend with only one fifth of the requirement. The E-mini S&P futures contracts (ES) are the favorites of the day traders because of its high intraday price volatility and major price swings on a daily basis.

The value of the E-mini S&P futures contract is $50 times the value of the S&P 500 stock index. One tick on E-min S&P futures contract is equal to 0.25 of the index point or $12.50. The E-mini S&P futures contract can be very volatile and can move even more aggressively during times of extreme market volatility. - 23305

About the Author:

Mr. Ahmad Hassam has done Masters from Harvard University. He is interested in day trading futures and currencies. Trade Dow Futures and S&P Futures!

To Succeed In Forex Trading You Don't Need to Be Smart, You Just Need to Do This!

By Charles Partain

Forex is a studied skill but 95% of dealers lose and it's not intelligence that separates winners from failure's, nor is it hard work, its something else what separates winners from losers is attached in this article.

Let's begin with a simple fact that has remained constant over time since currency speculation began - 95% of all dealers have always lost funds. In the last 100 years we have noticed, quicker computers, more complex software, quicker price data delivery, more and superior information but it hasn't changed more failures into achievers.

You will see lots of get rich quick and software guru's asserting you can make bucks with no effort or they have found the secret order of markets but follow them and you will lose. The reason so many dealers lose is plain - human nature.

Forex trading can be learned by anybody, as easy methods work best and always have as Forex is an odds based market. Now, several people don't use reasonable systems but far more lose because they cannot keep their emotions out of business.

As a Forex dealer, you are going to face times of losses and you need to keep them small, most dealers can't face taking them and run them. Just as essentially, they cannot hold winners they want to grasp now, before it gets away and the result of this is an impartiality wipe out.

If you believe discipline is simple it's not, when wealth is on the line you come under stress and your emotions get occupied - so how do you become a closely controlled trader?

You need a good solid Forex education of course and the efficiency to lose your self-esteem and take your losses and then, you need the courage to run your gains.

Accept Forex trading is not always about being right and take your losses cheerfully, stay on track with discipline and you may drop traders but long term you can make a huge income - it really is that simple. A trader who losses, doesn't lose because of the market, he losses because of his feelings and deficiency of discipline. - 23305

About the Author:

The gurus hate it when their personal methods about forex get exposed! Now they're fuming mad about this site Profits Run and trying to bring it down.

Review Currency and Commodity Trading Techniques, Target Gold, Oil and CRB Currency Pairs Alternatives

By William Davies

As a keen trader if you study currency and commodity trading you will discover that it relates to the currencies of countries where commodities contribute a significant proportion of economic output as well as exports. These could be metals like copper, or crude oil, or agricultural products like sugar and coffee.

It would of course be correct to call the currencies of a number of countries around the world commodity currencies if we use a very wide description. For keen followers of currency and commodity trading however, the term refers to three major countries where commodities represent a substantial component of output and exports.

Movements in global commodity prices affect the Australian, New Zealand and Canadian dollar currencies, with the Australian dollar reflecting gold price movements strongly, while the crude oil price seems to have a close relationship with movements in the Canadian dollar (CAD). Though it is not linked to any particular commodity like the other two currencies, the New Zealand dollar (NZD) or "Kiwi" shows a general correlation with price changes in the Commodity Research Bureau (CRB) Index.

Let's consider what happens as gold strengthens? We can expect to observe a similar rise in the AUD/USD pair (the Aussie), as all currencies trade in pairs. This equates to a strengthening of the Australian dollar versus the US dollar, or put it another way, the US dollar is weakening in that pair. The onset of economic uncertainty in the global economy, such as recession or rising inflation, prompts investors to move into gold as it is regarded as a safe haven. Currency and commodity traders will also see how gold links to the Aussie, and trade this pair instead.

Australia gets a significant percentage of its output from commodities and over 50 per cent of its exports are from this source, with gold, other precious metals and copper playing a big role. Take a look at trading data to see the strongly positive correlation of the Aussie and gold. This means a switched-on trader can either trade gold futures or an ETF, or gain exposure to AUD/USD in the spot forex market.

Followers of currency and commodity trading will know that Canada is a major commodities producing nation and specifically one of the worlds largest crude oil producers. Accordingly, there is a fairly strong negative correlation between movements in the USD/CAD (the Loonie) pair and the price of crude oil.

Canada is the largest supplier of oil to the USA, which is the worlds largest consumer of this key commodity. So high oil prices are good for the Canadian dollar but negative for the US economy and US dollar. Traders can go long on the Canadian dollar in the forex market if they are bullish about the price of crude oil, as an alternative to trading Nymex crude futures or oil ETF's.

When you consider these three currency pairs it's clear why currency and commodity trading followers sense a real opportunity in spot forex trading to capture commodity market movements, whether in gold, crude oil or across the broader commodities universe. With currency trading always providing a bull market, it just comes down to deciding which currency in the pair you are long or short. - 23305

About the Author:

The author, William Davies, studies the commodities markets carefully and pens articles for an informational Commodity trading website. Discover more about how you could profit by entering the world currency and commodity trading markets.