Las Vegas Real Estate Reality

If I received $1.00 for every out of state caller or e-mail that has made this statement or something similar for the past three months? I think my income goals for the year would have been met already.

I certainly get where these statements are coming from because I read or watch the same things in the national media that callers are getting their information from. (Normally with a good scream or two on how clueless the so called ?real estate experts? are?)

Heck? even our local media is pretty much clueless with what is really going on when it comes to Las Vegas Real Estate.

Prices for Las Vegas Real Estate are less then half of what they were at the peak..

So what? Prices at the peak were bloated because of lax lending and exotic loan products.

Las Vegas is the Foreclosure Capital of the World?

So What? Could that be because the irrational exuberance during the lax and exotic lending days pushed Las Vegas home prices so high to begin with? The average Las Vegas short sale seller I deal with in selling their homes certainly understands that they paid too much for their Las Vegas home back in the day.

It?s Not About Las Vegas Home Values? It?s about DEBT

And this is what people ? specifically real estate agents?. need to focus on. It?s not about what home values are? it?s about concentrating on what debt values are.

Sure? you live in a Million dollar home and have a million dollar mortgage. Big deal?

Send a big % of your income to Wall St. Your choice. I prefer to spend that same % of income in the local economy.

Something I learned about some of the most stable real estate values in the country?. SMALL MORTGAGES or NO MORTGAGE.

Ok? Time for Some Reality about Las Vegas Real Estate

The local Las Vegas real estate economy is roaring for those that are not in debt. That?s reality. It?s really, really cheap to live in Las Vegas. I can tell you after living in the Chicago area for a couple of years? that it?s FAR cheaper to live in Las Vegas. Heck.. my property taxes in Chicago were over $1,200 a month paying for who knows what. It did not take me long to get out of that nonsense and return to Las Vegas when home values went back to reality.

For the past year.. people have caught on that Las Vegas is a GREAT place to live where their income is not being raided by everybody. Over 40% of the Las Vegas home purchases for the past year or two have been CASH deals.

Property taxes for a $200,000 Las Vegas home are around $2,000 a YEAR.

I?m moving Tech consultants who travel the country and need a home base that?s not raiding their income to Las Vegas left and right. That?s CERTAINLY a good thing.

Trust me? the guy who consults for Apple, Microsoft and some other companies that I took care of moving him from California and us going out to eat at least once a week as I show him the town is a GOOD THING. Absolutely thrilled with the amount of money he is saving and when he has to jump on a plane? really easy for him to do in minutes.

AKA ? his disposable income has more then tripled and trust me?. we have a really good time going out and so do the servers who take of us.

Las Vegas is NOT A War Zone?

Could we please end this nonsense rhetoric that just because Las Vegas home values are less then half of what they were in the real estate bubble days that it?s a depression zone?

Sure? maybe for the small percentage who have not figured out what went wrong in the first place with lax lending and exotic loans?

But for others? Las Vegas real estate is going nuts right now. Buyers from all over the country have descended on Las Vegas and for nice Las Vegas homes for under $400,000 ? expect multiple offers on the property.

The Las Vegas real estate investment numbers have been fantastic for well over a year and many have figured this out.

Personally?. I don?t really give a hoot what Las Vegas home values are. For me and many others who really get it? the lower the prices.. the better.

?Considering what is going on with Las Vegas real estate??

Lots of Laughing?.

Hey? I love doing what I do and have made people a ton of money investing in real estate the right way?

Please don?t think that what you read in the media from journalists who are clueless about the day to day realities know more about real estate then I do. Trust me? they don?t.

AKA? I?m not begging for your business because of what you read in the media thinking that Las Vegas real estate agents are sitting around waiting for your phone call because you think that the Las Vegas real estate market is horrendous.

But hey.. what do I know? I?m the Las Vegas real estate agent that was telling all of my clients to sell in 2005 and advising people NOT TO BUY Las Vegas real estate in 2006?

Your choice of what type of real estate agent you want to work with?

The Las Vegas real estate agent that forwards information from the media to you? or the Las Vegas Real Estate agent that sees what is going on and advises their clients appropriately?

Entirely up to you.

Paul Francis
Las Vegas Real Estate
702.592.3058

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Stop Acid reflux Now! ? Overcome Acid Reflux ... - Health and Fitness

If you?re really sick & tired of debilitating acid reflux, heartburn or GERD effecting your life, then this may be the most critically important letter you?ll read?

Long-suffering Former Painful Acid Reflux & Heartburn Patient Sick & Tired of Being Preyed Upon By Uncaring Drug Companies Finally Discovers Proven & Effective Relief In A Most Surprising Place ? Guaranteed?

Finally! Straight Forward, Simple-To-Follow Methods To Effectively Overcome Painful Acid Reflux, Heartburn & GERD ? Fast?

Can You Pick which of these foods has the highest risk of triggering painful acid reflux or heartburn? (* as rated by 342 acid reflux sufferers) To choose one click on the button.

If you?re sick of your esophagus feeling like it?s on fire ? if you are tired of the bitter taste of stomach acid and bile ? if you?re fed up with trying to sleep propped up on a mound of pillows ?

?if you wish for nothing more than being free of the burning pain of acid reflux and heartburn? then this is definitely the most important letter you will read today!

Hello, my name is Kathryn Whittaker and as a former acid reflux and heartburn sufferer, you can believe me when I say I know first hand the pain associated with this debilitating condition.

And thanks to my extensive research into this condition, I also now know natural treatments that can be safely used to help reduce and even eliminate acid reflux?s painful symptoms

But before I go on to tell you about what I found out and how it?s already helped thousands of fellow Acid Reflux sufferers just like you ? Here?s the reason why you get acid reflux in teh first place?

Right at the top of your stomach is a circular muscle called the lower esophageal sphincter (LES for short).

Its job is to open up to allow food to enter the stomach when we swallow, and close up once the food has passed through. This action prevents the acid in your stomach from backing up into your esophagus (refluxing).

For frequent sufferers of Acid Reflux the LES works abnormally, by either not closing fully after swallowing or opening at the wrong times. This allows acid from the stomach to leak into the esophagus? where it doesn?t belong and can cause damage to the delicate tissues lining your gullet?

And did you know that millions of people have acid reflux and suffer from the pain of heartburn every day (about 25 million is the USA alone), so you are not alone?

For some, acid is regurgitated into the lungs, causing a cough or wheezing and increasing the risk of lung scarring.

Acid reflux in the throat can cause recurring sore throats and if acid reaches the mouth, it can dissolve the enamel on your teeth and give you bad breath?

Acid reflux disease can trigger some serious medical conditions that may require hospitalization and even surgery?

It can lead to severe inflammation and narrowing of the esophagus and a condition called Barrett?s Esophagus that changes the cell lining in the esophagus (which increases the risk of esophagal cancer) -

Well, unfortunately, they not only have a multitude of side effects, they potentially make digestion harder leading to complications elsewhere in your in your digestive system like diarhea or constipation -

And they generally only cover up your symptoms, never getting to the root of why you have acid reflux in the first place -

You see, when I?d finally reached the end of my teather and could not take any more I decided to devote many months of my life researching the reason behind the acid reflux symptoms?

I wanted to know why I was getting heartburn and reflux on such a frequent basis when my friends weren?t and what could be done to eliminate it once and for all.

What I learnt came as quite a SHOCK?and I knew the discovery would help other acid reflux sufferers become symptom free naturally.

That in a nutshell, is why I?ve written my new guide, "Stop Acid Reflux Now." This guide is filled with the information and tips you need to know to become an expert on acid reflux and to treat it effectively so that you feel better ? much, much better!

This new guide reveals everything you need to know to fully understand acid reflux and, more importantly, to get rid of it for good!

What are Acid Reflux, GERD (gastroesophageal reflux disease) and heartburn ? and what are the differences between the three conditions and what that means in relation to the treatment you should seek!

6 additional causes of acid reflux ? you probably don?t know all of these but you definitely should as they can have a tremendous impact on the type of treatment you should pursue!

The six types of people who commonly suffer from acid reflux ? find out if you are on this list as well as what you can do to remove yourself if you are!

15 complications that can arise from you having acid reflux and how to prevent them ? if you read nothing else, you must know this vital information!

How acid reflux, GERD and heartburn are usually diagnosed ? and whether or not this is the best way to determine whether you have one of these conditions!

Medications and other medical treatments that can be used for acid reflux ? and what the side effects of each are!

How to determine whether surgery is a viable option for you ? this information could save you tons of frustration and heartache later on!

8 effective ways to treat acid reflux naturally ? these tips are sure to put you on the fast track to good health!

Why stress can be a major cause of acid reflux ? and how to manage your stress much more effectively!

Herbal supplements that you can use to feel better ? and which don?t come with any harmful side effects!

How to reduce and even eliminate your acid reflux by changing your diet ? you?ll be amazed? Read more?

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Royals shut down Pujols, but lose opener to Angels

ANAHEIM, Calif. (AP) ? Albert Pujols was little trouble for Bruce Chen and Aaron Crow in the Royals' opener.

Nobody in the Kansas City lineup was any trouble at all for Jered Weaver, and that's why the Royals are still starting the season in a hole.

Weaver struck out 10 in eight dominant innings of four-hit ball, Peter Bourjos' bases-loaded infield single broke open a scoreless game in the eighth inning, and the Los Angeles Angels beat the Royals 5-0 Friday night in Pujols' hitless debut.

The Royals tamped down the celebration on a big night for Pujols, who went 0 for 3 with an eighth-inning intentional walk after getting several raucous pregame ovations from a crowd that still can't quite believe he's wearing a halo cap.

Yet Kansas City couldn't capitalize because Weaver was in the same intimidating form that made him the runner-up for last year's AL Cy Young award. The right-hander retired 13 straight Royals after allowing back-to-back singles in the third inning, finished with double-digit strikeouts for the 12th time in his career, and didn't walk a batter.

"When you're matched up against Weaver, you know you're not scoring a bunch of runs," Kansas City manager Ned Yost said. "That's no surprise."

Chen, the oldest player on the majors' youngest team, matched each of Weaver's zeros during six innings of three-hit ball in the first opening day start of his 14-year, 10-team career. He retired Pujols twice, and Crow fanned the slugger on three pitches in the seventh ? but Crow fell apart in the eighth, and the Angels rallied for their second straight opening-day win over Kansas City.

"We were in it all the way to the eighth," Chen said. "We have one of the best bullpens in the league, and we want to use it. The next time I'm pitching, I want those two guys again."

After seven fruitless innings, the Angels finally made an eighth-inning rally that began with a single by Kendrys Morales in his first game since breaking his ankle nearly two years ago.

After Morales connected against All-Star reliever Crow (0-1), pinch-runner Alexi Amarista advanced to third on sharp singles by converted third baseman Mark Trumbo and new catcher Chris Iannetta. After two Royals couldn't cleanly field Bourjos' single off Greg Holland, Erick Aybar's shot down the line cleared the bases, and Torii Hunter added a run-scoring single moments later.

"It's my job to keep us in the game, and it's their job to get some runs on the board," Weaver said. "We've got a great lineup, so it's just a matter of time before we start putting it together."

The night was a celebration of Pujols, who signed a 10-year, $240 million deal to leave Missouri and continue his career in Southern California. He was the center of attention at Angel Stadium from the moment he stepped on the field for batting practice, and he got the longest and loudest ovation from the Orange County crowd during pregame introductions, taking off his red cap and saluting his new fans.

"Just the same nerves that go through for the last 11 years of my career," Pujols said. "It's just something my dad always told me: If you don't go through that, you ain't ready. I knew I was ready because I was going through that."

Pujols lined into a first-inning double play, popped out in the third, and struck out on three pitches in the seventh. He walked in the eighth, but the Angels already had made their decisive rally.

Pujols has played baseball too long to worry about one game, yet he really wanted to do something special right away in Anaheim.

"I keep looking at my bat," Pujols said. "I was putting good barrel on it, but that's the way it goes."

NOTES: Weaver is the third Angels pitcher to get at least 10 strikeouts on opening day, joining Nolan Ryan (12 apiece in 1973 and 1975) and Andy Messersmith (11 in 1970). ... The clubs also met on opening day last season, with the Angels winning 4-2 in Kansas City. The Royals hadn't opened a season in Anaheim since 1975. ... Bobby Abreu began the season on the Angels' bench after going 7 for 55 in spring training amid reported complaints about his potential playing time.

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Navy jet crashes into Virginia apartment complex

Captain Mark Wisberger says that the F-18 that crashed was on a training flight, and shortly after takeoff the plane suffered "catastrophic mechanical malfunction."

By Kari Huus and James Eng, msnbc.com

?

MSNBC TV

A military jet burns shortly after crashing into an apartment complex in Virginia Beach, Va., on Friday around noon. The aircraft went down in the sprawling resort town shortly after it took off, the Navy said.

Updated at 9:45 p.m. ET: Emergency crews extinguished fires and were combing rubble?at a cluster of apartments in Virginia Beach, Va., Friday after a Navy F/A-18 jet crashed into the complex, destroying two buildings and damaging several others, authorities and witnesses said.

Seven people, including the two pilots, were taken to a hospital, officials said.?By Friday evening, all the injured except one pilot were treated and released, officials said. None of the injuries were life threatening and?no fatalities were reported.

Firefighters at the complex had not been able to get in touch with three residents, who are being classified as "unaccounted for," however they were not being considered "missing,"?NBC News reported on Friday evening.

---

The crash was caused by a "catastrophic mechanical malfunction" that forced the two pilots to eject, Capt. Mark Weisgerber, deputy commodore of Strike Fighter Wing Atlantic, said at a news conference. He said the pilots were a student and an experienced instructor. He said he didn't want to speculate on the specifics of the malfunction.

One pilot was briefly tangled at the crash site and had to be freed from the wreckage by residents, David Schleck, assistant city editor at the Virginia Pilot, told msnbc cable television.

"(The pilot) was snagged on the burning building," said Schleck. "They actually cut him free from the building and then emergency crews showed up a little bit later and were able to get him a safe distance from the burning building."

A Navy official told NBC News that both pilots were taken to a hospital to be checked out.

"They were ambulatory," the official told NBC.

The buildings were in the Mayfair Mews Apartments, about four miles northeast of the Naval Air Station?Oceana, where the jet had taken off. Virginia Beach, about 400 miles?south of Washington, D.C., on the?Atlantic coast, is a major military center as well as vacation destination.

Cmdr. Phil Rosi of the Navy said the two-seat jet fighter crashed about 12:05 p.m. shortly after takeoff. The jet was?assigned to Strike Fighter Squadron?106 at the base, he said.

Witness accounts of the jet dumping fuel before the crash suggest that the pilots had averted a worse disaster, according to Bruce Nedelka, the Virginia Beach EMS division chief, who spoke to?The Associated Press.

Capt. Mark Wisberger says the F-18 that crashed was on a training flight when it suffered "catastrophic mechanical malfunction" shortly after takeoff.

"By doing so, he mitigated what could have been an absolute massive, massive fireball and fire," Nedelka said. "With all of that jet fuel dumped, it was much less than what it could have been," he said.

The Navy's Weisgerber said it wasn't clear whether the dump was intentional or a result of the jet's malfunction.

Emergency officials said?some 40 apartments were damaged or destroyed in the crash.

Witnesses described a frightening scene as they saw the aircraft plummet toward the ground.

John Swain told msnbc TV he was driving,?coming off Interstate 264 to head north. "The plane came right over us and was clearly in difficulty," he said. "There was flames coming off the back. ? The plane got lower and lower and just as I turned ? it crashed."

He said the jet apparently crashed into what looked like?a two-story apartment building.

"Within five seconds of it going down I was at the building where it hit," Swain said.

Ernie Gonzalez, who is retired military, was sitting on the front porch of his daughter-in-law?s house behind the base where the jet had taken off. He said a few other jets had departed before the one that crashed for what was believed to be a practice or training run. The doomed jet quickly ran into trouble.

"He was flying real low like he didn?t have any power,? Gonzalez told msnbc.com by telephone.

"He was smoking really bad. Bad smoke was coming out of the engine. It kind of backfired a couple times. I heard two pops ? then 15 seconds later I heard the explosion."?

Gonzalez said the other jets then started circling around the crash site.

Amy Miller told The Virginian-Pilot? she was outside the cleaners where she works when she saw a plane coming down with fire on its wing.

"I saw two parachutes eject. I saw them open up and then head toward the ground to the right of the jet," she told the newspaper

About two seconds later it crashed, she said.

"It looked like it had either hit the building or slid into it. Part of the building had crumpled up," she said, according to the Virginian-Pilot.

Austin Makie, of Virginia Beach, said he was golfing with two friends on a course a few miles away from where the jet went down. He said they were riding in a cart headed to the next hole when they heard a loud boom.

"We looked around ? and there was a very large pile of smoke. There was really big stench like gas in the air," he told msnbc.com.

State and local police were on the scene to assist the military, according to Grazia Moyers, spokeswoman for the Virginia Beach Police Department.

The Virginia-Pilot reported that a shelter had been opened to accommodate people displaced by the crash.

"We are taking all possible steps at the state level to provide immediate resources and assistance to those impacted by the crash," said Virginia Gov. Bob McDonnell.

"I deeply regret that some in our community have lost their homes, and I, like many, pray for the well-being of all," said?Adm. John C. Harvey, Jr., commander of U.S. Fleet Forces, in a statement on the crash. "I must also offer my deepest gratitude to the citizens of Virginia Beach and the Mayfair Mews Apartments, as well as Virginia Beach's first responders, for their immediate and heroic response to take care of our aircrew after they ejected and all at the scene of the mishap."

Harvey?promised a prompt investigation.

More content from msnbc.com and NBC News:

Follow US News on msnbc.com on Twitter and Facebook

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NOVA Casualty Auto Insurance Review

Read on for information about the NOVA Casualty Company, founded in Windsor, CT in 1980. The company is a subsidiary of the AIX Group, a conglomerate of national insurance providers, which is itself owned by the Hanover Insurance Group, a multinational insurance provider headquartered in Worcester, MA.

Your goal should be to find quality auto insurance. If you think that NOVA is the company for you, consider that there may be dozens of other insurance providers with lower rates or better policies in your area. While NOVA is a solid provider, you would do best to compare insurance providers before you buy.

Just enter your zip code into our free comparison tool to begin the process. Compare and save today!

With over 30 years of experience, NOVA Casualty utilizes a world-class independent agent and broker network. Through agents and brokers throughout the United States, NOVA provides a wide variety of insurance products including liability, crime, marine, property, auto and umbrella insurance for both individuals and businesses. Surplus insurance is also provided through other AIX subsidiary companies.

NOVA Casualty Contact Info

The company?s main headquarters can be contacted at:

2 Waterside Crossing, Ste. 400
Windsor, CT 06095
860-683-4250

The company?s Florida office can be contacted at:

8350 Northwest 52nd Terrace Ste. 204
Miami, FL 33166
1-800-940-7092

The company?s New York office can be contacted at:

726 Exchange St. Ste. 1020
Buffalo, NY 14210
716-856-3722

The company?s California office can be contacted at:

925 Highland Pointe Dr. Ste. 160
Roseville, CA 95678
916-780-5095

Visit the NOVA website for more information.

NOVA Products and Services

The company provides insurance to customers all 50 states in the U.S, with a special focus on business insurance. The NY and FL locations offer the AIX Group?s ?Business Select? offices and programs.

Both personal and commercial clients may purchase a variety of insurance products, including:

• Auto
• Boat/marine
• Bond
• Business
• Commercial auto
• Home/property
• Umbrella
• Workers? compensation

Specialty insurance products, only available in certain states, include:

• Jeweler?s block
• Marina
• Performance/surety

Generally speaking, NOVA focuses on large buildings and dwellings with over six units to be insured at a time. These include officebuildings, hospitality businesses, art studios and shopping plazas.

The NOVA Casualty Company offers the highest liability limits allowed by most states for workers? compensation and up to $1 million for its many other insurance products. NOVA offers higher levels of insurance coverage on a case-by-case basis.

NOVA offers many different types of insurance. If you purchase your auto insurance from the NOVA Casualty Company, you may be able to get a good deal on another type of insurance as well. Contact the company?s regional office near you for more information about savings from purchasing multiple types of insurance.

NOVA Claims

NOVA hires highly experienced claims and adjustment professionals to handle all customer insurance claims. The company?s goal is to utilize both cost-effective claims handling and highly competent customer service representatives to ensure a quality consumer experience.

NOVA uses third party claims vendors to expedite the process and keep it cost-effective. Because NOVA Casualty tends to use alternative risk management parameters, these vendors are hand-chosen for their familiarity and experience in managing different types of claim and risk calculations.

The claims management professionals employed or contracted by NOVA are among the most important employees in the company?s business model. Because NOVA stakes its market worthiness on its ability to write specialized insurance policies for business and individual customers, the company focuses on retaining administrators with plenty of talent and experience.

Compare Insurance Providers Now

Whether you think NOVA is the provider for you or your business or whether you?d prefer to look at other options before making your decision, we can help!

Just enter your zip code into our FREE insurance quote comparison tool today! It only takes five minutes! You will have to answer a few questions to help us determine what sort of insurance provider you need. We will then give you a list of providers in your area that you should consider.

Compare prices and policy details to find the best match for you!

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Majority of Landmark Cancer Studies Cannot Be Replicated

New submitter Beeftopia writes with perhaps distressing news about cancer research. From the article: "During a decade as head of global cancer research at Amgen, C. Glenn Begley identified 53 'landmark' publications ? papers in top journals, from reputable labs ? for his team to reproduce. Begley sought to double-check the findings before trying to build on them for drug development. Result: 47 of the 53 could not be replicated. He described his findings in a commentary piece published on Wednesday in the journal Nature (paywalled) . ... But they and others fear the phenomenon is the product of a skewed system of incentives that has academics cutting corners to further their careers." As is the fashion at Nature, you can only read the actual article if you are a subscriber or want to fork over $32. Anyone with access care to provide more insight? Update: 04/06 14:00 GMT by U L : Naffer pointed us toward informative commentary in Pipeline. Thanks!

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Blasts target intelligence in south, east Yemen

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