Online retailer of discount merchandise BuyNoworNever.com recently unveiled its Invite Friends promotion, in which registered shoppers can earn a $ 10 electronic gift certificate to the site for referring a friend.

We know our customers love sharing good deals, so why not reward them for telling their friends by giving them a chance to earn $ 10? said Kathy Leffler, president of BuyNoworNever.com. Its one small way to say thanks to our loyal customers and continue to encourage them to spread the word about our affordable products and cant-be-beat prices.

To be eligible to receive the $ 10 referral gift certificate, valid for six months from the issuance, the customer must be registered on BuyNoworNever.com and his or her account must be active. He or she will be issued a gift certificate for each referred friend who meets the following criteria:

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Some argue that the real estate market in St. Louis may not bottom out in 2011, while others predict that it will take another year or two before the real estate markets stabilize. The reason for the debate is that there are number of factors, both localized and nationally, that are used to evaluate market conditions and establish forecasts. Things like the volume of home sales, mortgage lending statistics, new home construction figures, regional economic growth and development, commercial building starts, employment levels, historical trends and consumer confidence are all taken into account.

Last year the St. Louis Association of Realtors hosted an event in which the Chief Economist for the National Association of Realtors Dr. Lawrence Yun was the feature speaker. His Housing Market Outlook projects the following:

5.6 million resale houses will sell this year (up 0.3 million from 2010)
570,000 new houses will sell this year (up 170,000 from 2010)
There will only be a 2-3% increase in house values (compared to 0-2% for 2010)
If there is a double dip in the market it will much milder than the first one

In a recent article by the St. Louis Business Journal St. Louis home prices were compared to previous area statistics. The figures paint a bleak picture indeed. Overall home sales (including distressed sales) dropped by nearly 8% in November of 2010. Even when the figures were analyzed to exclude the distressed transactions (which include foreclosures, short sales, bank and real estate owned properties) the year-over-year home prices were down 3%. Nationwide figures are not much better. Overall sales figures (which include distressed sales) fell 5% while figures which exclude the distressed sales still fell 2%.

The St. Louis real estate market first appeared to be stronger in the spring and summer of 2010. The majority of this was due to the $ 8,000 tax credit for first-time home buyers which according to Tim Logan of SLToday.com had an outsized influence in a modestly-priced markets like ours. Dr. Yun takes it a step further and claims that 1 million of the buyers would not have purchased a house without the tax credit while 3.4 million buyers would have bought a house regardless. He credits the program for reducing the inventory of houses for sale by 1 million and helped bring about the early stages of stabilization.

Since psychology is one of the driving forces behind the real estate market today the unemployment rates and population figures are a valid determining factor in market projections. Using these and other figures Dr. Yun predicts the short term inventory conditions will look very unfavourable. The reason being that there are basically the same number of jobs today in the U.S. that there were 10 years ago, but we now have 30 million more people than then.

According to Dr. Yun several factors will continue to affect the St. Louis real estate market. The high unemployment rate is taking its toll on the area and it is predicted that it will take 4 to 6 years to get the unemployment rate back down to 5-6%. Short sales and foreclosures account for 35-40% of house sales (they should only account for about 5%) and these rates are expected to remain for about two more years.

Furthermore, new housing starts have not increased with the population. This means that although the population has increased the demand for housing has not. This is due to the fact that many people cannot comfortably afford to go it alone. More and more frequently people and families are doubling up either by taking in room-mates, living with parents longer and helping them to pay their mortgages; senior parents are choosing to live with grown children.

There is a significant decrease in the number of people who are moving inter-state and with the unfavourable employment figures inter-stators are reluctant to relocate to areas which are experiencing the brunt of the financial turmoil. Even within the state there is a modest decrease in the number of people who are moving.

Economists continue to debate as to when the St. Louis real estate market will stabilize and with so many local and national factors to consider, it is a very daunting task indeed. The Clear Capital One-Year Metro market Forecast claims that the wild spikes that the market experienced in 2010 will likely be replaced with more gradual

• St. Louis Real Estate Market Projection 2011
• St. Louis Real Estate Market Projection 2011
• 9281 Forman Road – St. Louis Missouri Actual Estate for Sale
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OVC honors Redhawks' Uchtman, Schnurbusch
Southeast Missouri State senior Josh Uchtman and junior Jill Schnurbusch were named Ohio Valley Conference indoor field athletes of the week Tuesday. Uchtman broke his own school indoor shot put record with a first-place distance of 60 feet, …
Read more on Southeast Missourian

OHS Senior Wins Missouri Leadership Award
Jordan Lewis will use the scholarship to pay residence hall fees at Southeast Missouri State University. By Lindsay Toler Oakville High School graduating senior Jordan Lewis received the Missouri Leadership Award this month, a competitive scholarship …
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Frustrated Tampa Bay Realtor gets short-sale miracle from Freddie Mac
By Mark Puente, Times Staff Writer After losing four buyers and waiting 379 days for a short sale to get approved on a Tierra Verde home, Realtor Liane Jamason asked for a Christmas miracle Tuesday afternoon. The agent at Smith & Associates Real Estate …
Read more on Tampabay.com

Tampa Bay office fillup is good sign
By Mark Puente, Times Staff Writer Tampa Bay office buildings replaced dust with more people in 2011, as the vacancy rate dropped to 19 percent, a level not seen since early 2009. Real estate experts had predicted the rate would drop as businesses hire …
Read more on Tampabay.com

• Jury awards $200 million verdict in Pinellas nursing property death case
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Joe LoPiccolo, Broker/Owner of American Realty Group, a true estate brokerage based out of St. Louis County, today announced the availability of a new, totally free educational report for St. Louis location property owners which will aid neighborhood residents realize that there are feasible alternatives to foreclosure. The report, which was launched on January 17th, 2012, on their short sale data internet site, will teach home owners to turn into far more knowledgeable about the several approaches to salvage their monetary future if facing foreclosure.

Millions and millions of property owners in the United States spent 2011 beneath a cloud of uncertainty triggered by missed payments on an unmanageable mortgage, stated Joe LoPiccolo of American Realty Group.

Since 2007, 8.9 million homes have been lost to foreclosure. My mission is to preserve you and anyone you care about from adding to that statistic, LoPiccolo stated. He added, The fact is, there are alternatives to foreclosurebetter options now than ever before.

LoPiccolos message to financially strapped homeowners in the St. Louis market place: the expertise and resources to ensure that 2012 gets off to a far more positive start is close at hand.

The report talks about the a lot of rewards of a short sale, which occurs when the amount owed on his/her home is higher than current industry worth. A brief sale happens when a negotiation is entered into with the homeowner’s mortgage firm (or firms) to accept much less than the complete balance of the loan at closing. A buyer closes on the property, and the home is then ‘sold short’ of the total worth of the mortgage.This appears basic sufficient, but it is a complex method that takes the expertise of experienced specialists.

A Certified Distressed Home Specialist (CDPE), LoPiccolo is knowledgeable foreclosure avoidance alternatives and is adept at negotiating with major banks and helping financially strapped property owners to regain peace of thoughts and a sense of stability for the future. By way of comprehensive instruction and expertise, CDPE-designated agents are able to offer solutions for home owners facing financial hardship in todays market.

LoPiccolos free report entitled, Tipping the Scales Toward Foreclosure: Resolve to Shed the Weight of an Unmanageable Mortgage in 2012, is accessible, at no price, from his web site, St. Louis Short Sale Professionals

As the report points out, Joe says, the recovery of U.S. housing industry hinges on enormous reductions to the present glut of foreclosed homes, and as such, all significant players have taken foreclosure-prevention efforts up many notches.

About American Realty Group

American Realty Group is a full service residential actual estate firm representing each purchasers and sellers in the St. Louis region with a specialization in the short sale process.

###

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West County Calendar: Week of Jan. 4
The event benefiting Saint Louis Crisis Nursery features a sneak peek at the 2012 auto lineup, drinks, dancing, hors d'oeuvres, a silent auction and a performance by "The Mentalist" Gerry McCambridge. The cost is $ 40 for general admission or $ 99 for …
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Consumer Fraud Task Force Warns About Pitfalls Of Payday Loans
… online auctions, credit repair scams, debt management advice, foreclosure scams, extended auto service contracts, fire and police organizations, online payday loans and debt collection practices. Better Business Bureaus in St. Louis, …
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Belleville man sentenced on possession of body armor and firearm charges
The WAVE team had received information about illegal activities occurring near the intersection of 57th Street and Belmont, and at an abandoned house located at 668 N. 57th St., East St. Louis. The illegal activities reported included drug sales and …
Read more on Carmi Times

Home prices fall in St. Louis
A home for sale in St. Louis is shown in this June 25, 2007, file photo. JB Forbes | Post-Dispatch Home prices in St. Louis keep heading downward, according to the real estate analysis firm CoreLogic. Prices in November were down 4.7 percent from a …
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• Company calendar for St. Charles County
• St. Louis-Based American Realty Group Releases a Totally free Report For Area Homeowners Headed Toward Foreclosure
• Duval & Stachenfeld LLP Represents Seller TNC Investors L.L.C. in Sale of Town & Country Crossing
• Homeless man details East St. Louis slaughter chamber killing, sentenced to 35 …
• St. Louis 'knockout game' case dismissed right after witness misses court

Boeing makes billion F-15 warplane sale to Saudi Arabia
… in a ripple effect spreading out from Boeing's F-15 manufacturing plant in Saint Louis, Missouri. According to Dennis Muilenburg, head of Boeing's defense segment, the sale was also part of the aerospace and defense company's strategy of expanding …
Read more on Examiner.com

• World TeamTennis Finals returning for second year

www.ebay.com Now for sale!
Video Rating: 5 / 5

• 2011 SLAVE SALE (reenactment)-St. Louis, MO
• House for sale in Lake St. Louis, MO | $589000
• St. Louis Properties for Sale – 917 Kiefer Creek Dr – Ballwin MO 63021
• 2002 Ford Thunderbird Convertible for sale at Gateway Classic Cars in our St. Louis showroom
• St Louis HUD properties, Bank Foreclosures, Short Sales, Investment Property, St.Louis Properties for sale

John Wynne, a licensed real estate agent in St. Louis for over 10 years, and his son Steven Wynne, a young entrepreneur/real estate investor and Realtor, have combined their talents and efforts to form The Wynne Team with Coldwell Banker Premier Group.

The Wynne Team will focus their business around a full time/full service real estate philosophy to best serve their clients. The father and son duo work with both home buyers and home sellers. Additionally, The Wynne Team use their own real estate investment experience to work with other investors from the sales side of the business.

John leads The Wynne Teams green side of the business. He specializes in working with Green homes and has the National Association of Realtors Green Designation. Steven leads the web development side of their Realtor business.

Those interested in buying a house or selling their current home can find out more about this new St. Louis real estate agent team by visiting their website at http://www.TheWynneTeam.com.

The Wynne Team

Coldwell Banker Premier Group

4044 Butler Hill Road

Saint Louis, MO 63129

http://www.stlhousebuyers.com

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Year in Review: GM expansion tops news in St. Charles County
Lake Saint Louis aldermen approved a smoking ban in 2010. "People are ready for a change. They are tired of secondhand smoke," said former smoker and throat cancer survivor Don Young of St. Charles as he and other supporters of O'Fallon's Smoke-Free …
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Building a sustainable region, a community at a time
Others are suburban like the development hugging the MetroLink line between Clayton and Shrewsbury, and still others are exurban enclaves like the Wentzville, Lake St. Louis, O'Fallon corridor in St. Charles County. Each one represents a different type …
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• Top 5 Decisions that impacted St. Charles County in 2011
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Very best answer:

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Do not. If it’s truly fine art, then try a local art dealer.

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• Sell Vintage And Thrift Shop Items On eBay® For High Profits.
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• This smiling-faced cookie jar attributes a magical opening that senses baby’s hand, or the cookie shapes
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• Consists of 5 cookie shapes, magical cookie jar and lid

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• Miami Marlins stadium taking shape in countdown to opening
• Fisher-Price Laugh and Learn Jumperoo

Fundraising actions
The proceeds will be utilised to assist spend for the guild's community service projects and sewing education. Call Ann Chandler at 823-9298. ■ Be A Pack Leader Dog Walking Club will conduct “Paws for a Cause” garage sale beginning at 8 am Jan. …
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Garage Sale: Restaurant and photo studio by day, bar and lounge by night
In a back street across from the university's front gate, nevertheless, is Garage Sale, a relatively new and creative venue notable not only for excellent music and odd décor, but also for its interesting clientele and use of space. …
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• Martin Luther King Jr. Day Events in the Ozarks
• Alex Covers Today’s Top News Stories
• Community education courses becoming supplied January by way of June
• 2011 News Review

On January 15, 2011 St. Louis, MO hosted it’s 1st slave sale considering that 1832-this was a reenactment though. The slave auction was held as a element of the Civil War Anniversary and was organized by Angela da Silva, a professor of black history at Lindenwood University.
Video Rating: five / five

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Pulaski Financial Reports Solid First Fiscal Quarter Results
Real estate foreclosure expense and losses totaled $ 745000 for the quarter ended December 31, 2011 compared with $ 796000 for the linked quarter and $ 1.1 million for the prior-year quarter. Such expenses were primarily due to write-downs of properties …
Read more on MarketWatch (press release)

• House for sale in Lake St. Louis, MO | $589000
• House staging has its pros and cons
• I want a house for sale with these acceries and under 270,000!!!!!!!!!!!!!!!!!!!!!!!!!!!?

Explicit Language: MHP Automobile # 922 has some explaining to do. This “trooper” is out of manage and ought to be held to account for his very unprofessional and unethical actions which occurred about Noon 9-12-11 in Bourbon. We spoke to the folks in Jeff City about this incident and they assured us that something would occur to this Trooper
Video Rating: 2 / five

• Wallingford to run for Missouri Senate
• Former Missouri governor takes on new roles
• State of Missouri Sets Child Up for State Adoption Bonuses and Rewards/They Covered Up The Timeline
• 2007 Missouri Tigers Season Highlights
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Actual estate for sale at 9856 Aberdeen Lane Huntley Illinois 60142 – for more information go to vt.realbiz360.com

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Auction site faces class suit
Don MacKinnon, president and CEO of the Much better Business Bureau in Halifax, said it's “buyer beware” when it comes to penny auction internet sites. “The consumer has to be quite careful ahead of jumping into these items due to the fact this is how these firms make …
Read more on TheChronicleHerald.ca

Penny auction sites – penny smart, pound foolish?
If it looks too great to be true, it's almost certainly a caveat emptor situation, with numerous penny auction internet site users saying their wallets have ended up caveat empty. If you've been using the World wide web for any length of time not too long ago, or have been watching …
Read much more on iTWire

• New Year Provides New Opportunity for Financially Strapped Home owners To Reach Out and Redirect Their Lives
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• A year when Borders closed — and small bookstores grew

Market update: Stocks fall on home sale news
The sales were oversated by 11 percent in 2007, 16 percent in 2008 and 2009, and 15 percent in 2010. Walgreen Co. reported that fiscal first-quarter earnings declined more than 4 percent due to a slow flu season and its split from St. Louis-based …
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• what is the best real estate site for saint louis, mo. , for 100,000-200,000 homes?

David & Tracy give a testimonial about using Jason Jacobs as their Realtor in purchasing and selling their homes recently in the Lake St. Louis MO real estate market. They describe how they meet Jason, what their experience was like working with him and why they recommend him to others. They describe that Jason was a good listener, quick to respond to calls and emails and that he helped them get the best value in their sale & purchases with strategic price positioning. Also how important it is to chose the right Realtor in this real estate market.

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Exquisite elegance with cozy charm in a park like setting on the waterfront on the main lake in LSL! Bring your boat-your own private dock with boat lift is waiting for you! With approx 3800 sq ft of living area, this home has been almost completely and professionally renovated! This walk-out is complete with 3 season room addition, new cedar deck, ash wood floors, vaulted ceilings & open floor plan. Granite countertops, new ss appliances, solid surface cook top with electronic hidden downdraft! Custom porcelain tile in the renovated bathrooms. Lower level boasts a 5th bedrm, family room, recreation room, full bath, large workshop and 3 car oversized garage with motion sensor lighting. Comes with a programmable irrigation system for the lawn! New 3 season room, deck, windows, light fixtures, wood flooring, carpeting, ceiling fans, skylights, walk-in closets, electronic downdraft cooktop & the list goes on! No detail spared in this beautiful home! A must-see if you’re looking for a move-in ready like-new home on the large lake in Lake St Louis
Video Rating: 5 / 5

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Bismarck is carrying out the unthinkable once more..sandbagging
The Missouri River has risen 7 feet given that Friday. Bismarck, ND (WDAY Television) — An ice jam flood warning is nonetheless impact for Burleigh and Morton Counties. The Missouri River has risen 7 feet considering that Friday. Bismarck, ND (WDAY Tv) — An ice jam flood warning …
Read far more on WDAY

Governor says Missouri River Basin snowpack is 69 percent of typical | The Republic
Brian Schweitzer said Thursday that snowpack in the Missouri River Basin headwaters is beneath regular so far this winter, and far beneath levels observed last year when heavy snowfall in the mountains was a big factor in floods downstream. …
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• Blu CitySpaces Makes Downtown Living A lot more Cost-effective with Holiday Value Package Worth up to $5,000
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SHORT SALE in Shaddock Creek. Call Susan: 503-688-4191 Exceptional finish-out in this Newcastle Custom Home. Dramatic two-story entry with sweeping staircase dressed in a luxurious sculpture carpet. Soaring ceilings and hand-scraped hardwood floors throughout first floor. Huge kitchen with stainless steel appliances, double ovens, Wolf 6 burner cooktop, center island, massive granite, butlers pantry, built-in desk and shelving, and large breakfast area. Master suite, guest suite, and study downstairs. Master features elegant white marble floors, split vanities, granite counter-tops, upgraded gold-leaf framed mirrors, oversized jetted tub, and large master closet. Study is adjacent to entry and features richly stained mouldings and double french doors. Three bedrooms and two bathrooms up, plus game room, media room, and second staircase. Media room features dramatic two-toned paint treatment, huge screen, built-in wet-bar and plumbing for a bar fridge. You’ll love the open floor plan and all the upgrades. Great curb appeal stamped concrete J-swing driveway. 4075 sqft, 5 bedrooms, 4 bathrooms, 3 Car Garage. Call Agent, Susan Hopper, Coldwell Banker, for showing and details. 214-621-0307

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