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- In Nevada how many agents can list a rental property. I'm unsure who to rent from
- what are any indications that there is a problem with a bank of america short sale?
- TRUMP Las Vegas High Rise Condos for Sale Are a Bargain <b>...</b>
- Vegas Evolution Group: 14000 Sq Ft Homesite - HUGE YARD. All <b>...</b>
- Mira Villa Summerlin | Mario Finkbiner Blog
- are there many properties in and around 7836 Morning Flower lane in vegas 89129 under $120k? I have $50k to put down and I used to
- Hiring A <b>Las Vegas Real Estate</b> Agent? Then Read This! - Real <b>...</b>
- <b>Las Vegas Real Estate</b> Agent Team & Short Sale Specialists <b>...</b>
- RE/MAX CENTRAL ~ <b>Las Vegas Real Estate</b> » Music, Photos And <b>...</b>
- Desert Shores (Las Vegas NV) Market Report
- Las Vegas Short Sales | Government Assistance Programs
- Nevada Short Sale Lawyers | Full Deficiency Waivers For Sellers
- LAS VEGAS FORECLOSURE HOMES for SALE. HUD LIST FOR 5.28.12. LOWEST PRICED FORECLOSURES in LAS VEGAS
- Las Vegas Short Sale Options and Opportunities
- Las Vegas–THE LAKES–See homes that are available today! | Post <b>...</b>
- Las Vegas–PARK AVENUE MIDRISE CONDOS–See what is available
- Las Vegas –CLICK HERE TO SEE BOCA RATON MIDRISE <b>...</b>
- Las Vegas #1 Short Sale Realtors | The Myers Team
| In Nevada how many agents can list a rental property. I'm unsure who to rent from Posted: 29 May 2012 02:31 AM PDT I see the same rental property listed by two different realty companies. I met one of the property agents or listing manager now I see the listing again on the Internet by someone else. Is this fraud and should I be concerned? |
| what are any indications that there is a problem with a bank of america short sale? Posted: 29 May 2012 12:12 AM PDT Put in a full asking price bid on a house and signed a purchase contract with owner on a short sale property held by Bank of America. There was a counter offer and I accepted. it has been two months now and we are 30 days from the contracted closing of escrow according to the terms of the purchase agreement. My realtor maintains everything is on track and the negotiator is pushing it through..... Is this complete B S ? I am beginning to think this entrie process has been a waste of valuable time.... need some advise on whether to bail on this thing or stick it out.. |
| TRUMP Las Vegas High Rise Condos for Sale Are a Bargain <b>...</b> Posted: 19 Mar 2012 12:00 AM PDT Las Vegas, NV – March 19, 2012. Trump Las vegas is a 64-story tower of 24-karat golden glass tower with 1232 furnished guest suites and 50 luxurious Las vegas Penthouses offering a unique possibility to buy and own a distinct portion of ... |
| Vegas Evolution Group: 14000 Sq Ft Homesite - HUGE YARD. All <b>...</b> Posted: 28 May 2012 05:22 PM PDT Whether you are buying Las Vegas real estate or selling Las Vegas real estate, the Sproul Evolution Group team of REALTORS is here to help. Our team leader, Michelle Sproul, has been actively involved within the Las ... |
| Mira Villa Summerlin | Mario Finkbiner Blog Posted: 29 May 2011 12:00 AM PDT We can save you thousands by Las Vegas real estate buyer representation. We know Summerlin Las Vegas condo real estate. Call now 702-508-8262. Visit our website at las-vegas-real-estate-authority.com. Video Rating: 5 ... |
| Posted: 28 May 2012 06:52 PM PDT rent the home @ 7836 Morning flower lane, off buffalo & cheyenne .. dorothy eisenberg school district.. I am in Orange county but am thinking of moving back ...I am on SSDI would I qualify? SSDI is $2100 per month.. I could go up to $60k if necesssary.. looks like aa few houses wrre sold on that street recently for $106k approx. Thx |
| Hiring A <b>Las Vegas Real Estate</b> Agent? Then Read This! - Real <b>...</b> Posted: 28 May 2012 01:44 AM PDT The task of a real estate agent in las vegas is not all about getting a property that you need. They are also responsible for making all your transactions easi… |
| <b>Las Vegas Real Estate</b> Agent Team & Short Sale Specialists <b>...</b> Posted: 28 May 2012 01:18 PM PDT 702.482.7739 - http://www.ShortsaleinNevada.com - When Ready to sell your Las Vegas Home - if you owe more than the mortgage, we can help. Call us to discuss short sale options. Las Vegas Short Sale Specialists with ... |
| RE/MAX CENTRAL ~ <b>Las Vegas Real Estate</b> » Music, Photos And <b>...</b> Posted: 28 May 2012 03:54 AM PDT Relocate | Buy Foreclosures | Foreclosure Help | Work with Las Vegas Realtors who have helped thousands of families, singles and corporate clients save money purchasing Las Vegas Real Estate. Las Vegas Realtors Save ... |
| Desert Shores (Las Vegas NV) Market Report Posted: 28 May 2012 01:37 PM PDT
Desert Shores April 2012 Real Estate Resale Market Report (Homes For Sale/Under Contract/Sold):
Since Last Month: Listings are DOWN -6, Pendings are UP +2, Sold Units are DOWN -1 For Current and Past Desert Shores Market Reports View Desert Shores Homes For Sale Here (Updated Daily) More Information on Desert Shores Real Estate Here More Las Vegas Communities Here copyright 2006-2011 Renee Burrows, REALTOR®, The Force Realty 702-966-2494 Blog Disclaimer Important Notice
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| Las Vegas Short Sales | Government Assistance Programs Posted: 28 May 2012 10:47 AM PDT Over the past few years, the federal government's major mortgage relief programs helped just a fraction of the homeowners they initially set out to reach. So far, big government mortgage programs haven't delivered nearly as much relief as they expected for homeowners. In each instance, a much smaller number of homeowners received the help than what was projected. To understand why homeowner assistance so often falls short, here's a look at what experts say went wrong with five of the major government relief efforts. Home Affordable Modification Program •Projected to help: 3 to 4 million homeowners •Actually helped: 933,327 through December 2011 Launched in early 2009, the Home Affordable Modification Program is aimed at allowing struggling homeowners to lower their monthly payments. Borrowers -- who can still apply for HAMP -- can qualify if they signed up for their mortgage no later than Jan. 1, 2009, are employed, have a mortgage payment that's more than 31% of their pre-tax income, and can prove that they're at risk of -- or actually have -- fallen behind on their mortgage due to financial hardship. With many employees taking wage cuts as the recession gained steam, HAMP was hailed as a program that could bring relief to many. And while it did lead to permanent mortgage modification for nearly 940,000 homeowners, HAMP hasn't yet met the government's initial projections of three to four million. Experts say the program encountered setbacks from the start. To begin with, a big marketing campaign to attract eligible homeowners didn't materialize. HAMP's rules weren't fully developed when the program began, and guidelines were repeatedly revised creating confusion among applicants. Initially, lenders could sign up homeowners for a modification while giving them 90 days to provide documentation proving their financial hardship. In many instances, borrowers failed to do that and they were dropped from the program, says Keith Gumbinger, vice president at mortgage-data firm HSH Associates. That rule was later changed to require documentation before a homeowner enrolled in HAMP. The Treasury Department, which oversees this program, says HAMP's impact goes beyond its own modifications. Since HAMP's launch, more than 2.7 million private modifications -- many following the same steps the program established -- have been offered to homeowners, says Andrea Risotto, a Treasury spokeswoman. HAMP "catalyzed improvements in modifications across the board," she says.
Home Affordable Refinance Program •Projected to help: 4 to 5 million homeowners •Actually helped: nearly 1 million through November 2011 The Home Affordable Refinance Program began in March 2009 to help homeowners refinance in instances when they owed more on their home than it's worth. The program kicked in as mortgage rates were dropping, allowing homeowners who previously couldn't refinance to get a new, lower rate that would make their monthly payments smaller. The government hoped it would also keep underwater homeowners from walking away from their homes, a trend that was picking up. Three years into its existence, HARP has only helped about 20% of its intended homeowners. A big reason was that, in its infancy, HARP was only open to borrowers who owed up to 105% of their home's market value. In 2009, that accounted for roughly just 5% of homeowners with a mortgage, according to CoreLogic. Meanwhile, around 13% owed 105% to 125% while another 13% or so owed more than 125%. (HARP was later expanded to homeowners owing up to 125% of their home's value, and then changed again this past December; its newest incarnation dubbed HARP 2.0 removed the cap, allowing all underwater borrowers to qualify. The Federal Housing Finance Agency, which oversees HARP, says the latest changes are expected to boost enrollment in the program, which is scheduled to end in December 2013.) Still, borrowers need to cross several hurdles before qualifying. Many lenders place their own limitations on which borrowers they'll work with, says Gumbinger, typically denying those who owe more than 105% of a home's value. (It's up to lenders to choose whether and how to participate in HARP.) Dave Stevens, president and CEO of the Mortgage Bankers Association, says that's because lenders have a difficult time selling mortgages to the secondary market that are beyond 105% of a home's value and that many of them aren't able to hold these loans on their books. Still, he says, the new HARP rules have already boosted refinances: For the first week of March, HARP refis accounted for about 30% of all refis, compared to about 10% in January 2012.
FHA Short Refi Program •Projected to help: up to 4 million homeowners •Actually helped: 880 Launched in 2010, the Federal Housing Administration's Short Refi Program is supposed to help homeowners who are current on their mortgage but at risk of defaulting because they have no equity in their homes. The program provides borrowers with a principal reduction while also refinancing them into a new mortgage insured by the FHA. To qualify, homeowners must have a non-FHA mortgage, be current on their mortgage, and owe more on their home than it's worth, among other requirements. To boost participation, the government announced changes to the program this week to make it easier for more borrowers to qualify in part by allowing them to carry more debt. In addition, the program was extended through 2014. (It was supposed to end this year.) To date the program has fallen far short of projections largely because most lenders have been reluctant to write down principal, says an official at the Department of Housing and Urban Development, which oversees the FHA Short Refi program. For underwater borrowers to refinance, they can't owe more than 115% of their home's market value. Anything over that will need to be forgiven or written off as a loss by their existing lender first. So, a borrower with a $130,000 mortgage on a home that's worth $100,000 would need to get his lender to agree to take a loss on $15,000 before he can get into the program. Participation was low largely because lenders prefer to find other ways to work with struggling homeowners, says Stevens of the Mortgage Bankers Association. That includes modifying loans or temporarily lowering interest rates, he says. "There's a lot of concern about moral hazard whose loan do you write down and whose loan do you not?"
FHASecure •Projected to help: an estimated 80,000 homeowners •Actually helped: 3,290 Introduced in 2007, the so-called FHA Secure program was largely geared to borrowers with adjustable-rate mortgages who were struggling to make their payments because their rates reset. (Most ARM borrowers pay a fixed rate for the first few years of the loan, but after that the rate becomes variable and can rise or fall.) As rates rose, so did the chance homeowners would default on their mortgage. In part, FHA Secure struggled with bad timing, says an official at the Department of Housing and Urban Development, which oversaw the program. When the program rolled out, rates had stopped rising and were about to begin their descent. Many borrowers decided to hold onto their ARMs because with rates dropping their required monthly payments were shrinking, says Stevens of the Mortgage Bankers Association. ARM borrowers who wanted to refinance and were current on their mortgage could do that in the private market, outside the government program, he says. In an effort to boost enrollment in FHA Secure, the program expanded to include not just ARM borrowers who were current on their mortgage but also those who had missed up to three mortgage payments within that year. Still, that wasn't enough to get the program going. The government projected that around 80,000 homeowners would be helped, but by the end of 2008 just 3,290 had received relief when FHA Secure came to an end.
Hope for Homeowners •Projected to help: up to an estimated 400,000 •Actually helped: 764 As the subprime mortgage fallout intensified in the fall of 2008, the Hope for Homeowners program was created to help homeowners avoid foreclosure. The program called for lenders to voluntarily reduce the principal balance on mortgages to 90% of a home's value and to refinance the mortgage into a new loan that would be backed by the Federal Housing Administration. But early on, it became evident that the program wouldn't come close to meeting the government's expectations. Five months after it went into effect, Hope for Homeowners had helped just one homeowner avoid foreclosure. Few lenders could comply with its provisions, says an official at the Department of Housing and Urban Development, which oversaw the program. Chief among their concerns was writing down balances and incurring those losses, experts say. In an attempt to boost enrollment, the program was adjusted so that lenders would write down a smaller amount of losses. Still, the program never took off and ended up helping just 764 homeowners when it ended in September 2011.
How Short Sales Can Help In an effort to move troubled mortgages off their books, banks have begun offering cash to delinquent homeowners so that they can sell their properties for less than they owe. (Short Sales) No lender likes to do short sales, but many banks have decided that short sales are quicker and less expensive than foreclosing. In addition to offering cash incentives, banks have been pre-approving details, streamlining the process of closing and forgoing their right to pursue unpaid debt in the hope of getting through some of the backlog. At this point, more than 14 million homes (nationally) are in foreclosure, and the pending repossessions that have accumulated are standing in the way improving the housing market. Some banks have been offering cash as an incentive to get homeowners to short sell, versus walking away from their home. The largest incentives are extended by JP Morgan Chase, who approve about 5000 short sales monthly, many of whom have included settlements up to $35,000. Additionally, many buyers who purchased their homes using FHA loans have been receiving cash back at the close of the short sale process. On average, short sale transactions, from listing to sale, take an average of 123 days…much less time than a foreclosure. While cash back is never a guarantee, the fact remains that each lender and investor is different. From January 1, 2007 through December 31, 2011, The Myers Team sold more short sale listings than any Realtor or Broker in Nevada. Myers Team Owners, Bill and Francoise Myers have helped hundreds of Las Vegas families avoid foreclosure. Myers said, "Sellers facing foreclosure must remember that banks are not looking out for you or your family. When you work with The Myers Team, our job is to get between you and the bank. We represent our clients, NOT the banks. It is our job to take away the stress and negotiate the best possible outcome. Ultimately, our job is to help our clients get a fresh start." Visit The Myers Team web site at http://www.NevadaShortSaleInfo.com or http://www.vegasshortsaleinfo.com/home.asp *Above production is based on results from January 1, 2007 through December 31, 2011 (short sale listing ends only.) The information provided is obtained from public records, it is deemed reliable but not guaranteed.
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| Nevada Short Sale Lawyers | Full Deficiency Waivers For Sellers Posted: 01 Mar 2012 10:02 AM PST Las Vegas, Nevada - Before you hand over your hard earned dollars to a Nevada Real Estate Attorney, consider the following; will the attorney guarantee their services and pay you a full refund if they fail to perform? If you meet with an attorney who won't agree to refund your money should they fail to get your short sale approved, GET UP AND LEAVE! While there are many respectable and ethical attorneys out there, you must educate yourself and not place your unconditional faith in someone who stands to make a handsome profit should you get sued. There are NO attorneys who specialize in short sales; however, there are plenty of attorneys who specialize in taking your money. Homeowners considering short sales are welcome to speak with a lawyer to discuss their options, however, YOU MUST BE CAREFUL. If you use an attorney to negotiate a short sale and they fail to perform, you may wind up being sued by your bank. In the event the bank decides to come after you, then you will need to hire an attorney for a potentially expensive lawsuit. While there are many respectable and ethical attorneys out there, you must educate yourself and not place your unconditional faith in someone who stands to make a handsome profit should you get sued. If the attorney fails to get your short sale approved, you are left vulnerable and may need additional legal protection. What is the attorney's motivation to get your short sale done if they can make additional income protecting you from a potential deficiency judgement lawsuit? Is this not a conflict of interest? If you were sick with cancer, would you hire a doctor who also owned a funeral home? Of course not! Additionally, if you speak with a Bankruptcy Attorney, they are undisputed experts at helping you go Bankrupt; however, they also make their living by convincing you to File Bankruptcy. Bankruptcy is always an option, however, NOT always necessary. Nevada Short Sale Lawyers can be quite expensive. Who has money to hire an expensive attorney, when you are losing your home and preparing to move, etc.? Most people who are considering a short sale are experiencing a certain degree of Financial Hardship. In these tough economic times, many attorneys are experiencing a decrease in clients, and are looking for ways to generate additional income. Attorneys, who have never offered short sales as one of their services, are now jumping on the bandwagon and offering to do short sales for their clients. Times have gotten so tough for lawyers that even accident attorneys are now advertising Bankruptcy and Short Sale Services. Using an attorney to facilitate a short sale is a concern for several reasons: First of all, do you really think that the attorney you hire is going to make your short sale their top priority? Are they going to do the work themselves, or will they hand it off to their office assistants and paralegals to do the work? Most attorneys will not even make the time to meet with you personally. Are you prepared to spend $2000 - $5000 to hire a paralegal assistant to protect your family? While The Myers Team with The Caliber Realty Group are NOT attorneys, they are nationally recognized as one of the most influential figures in real estate today. Additionally, they are the most experienced short sale Realtors in the city. Since 2007, The Myers Team has sold more short sale listings than any Realtor or Broker in Nevada. According to Myers Team owner Bill Myers, "Our service is 100% guaranteed, meaning if the bank rejects the short sale for any reason, you do not pay us a dime. Our loyalty is to our clients. Why pay for an expensive Attorney when you can be backed by the experience, knowledge and negotiating power of the Myers Team with no out of pocket expense?" Visit The Myers Team web site at http://www.NevadaShortSaleInfo.com For Non-Short Sales, visit http://www.LasVegasList4Less.com   |
| LAS VEGAS FORECLOSURE HOMES for SALE. HUD LIST FOR 5.28.12. LOWEST PRICED FORECLOSURES in LAS VEGAS Posted: 28 May 2012 10:20 AM PDT LISTED AND UNLISTED GOVERNMENT FORECLOSURE HOMES. From Mov-in to Fixer Uppers all priced to sell NOW! Available for 3% DOWN owner occupants and 10% down investors . Discount prices avaiable nowhere else. TAKE A LOOK!!!!
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| Las Vegas Short Sale Options and Opportunities Posted: 28 May 2012 08:59 AM PDT Think Twice Before Hiring a Las Vegas Short Sale Attorney Why would you pay a Nevada Attorney thousands of dollars to handle your short sale when short sales are free? There has never been a better time to do a short sale. Many banks are now waiving their right to pursue deficiency, and some banks are even offering "cash back" to homeowners as an incentive to short sell, however, there are plenty of lawyers out there who are lining up to take your hard earned money. Why pay an attorney for a service that should not cost you a dime. Before you hand over your hard earned dollars to a Nevada Short Sale Attorney, consider the following; will the attorney guarantee their services and pay you a full refund if they fail to perform? If you meet with an attorney who won't agree to refund your money should they fail to get your short sale approved, GET UP AND LEAVE! While there are many respectable and ethical attorneys out there, you must educate yourself and not place your unconditional faith in someone who stands to make a handsome profit should you get sued. There are NO attorneys who specialize in short sales; however, there are plenty of attorneys who specialize in taking your money. Homeowners considering short sales are welcome to speak with a lawyer to discuss their options, however, YOU MUST BE CAREFUL. If you use an attorney to negotiate a short sale and they fail to perform, you may wind up being sued by your bank. In the event the bank decides to come after you, then you will need to hire an attorney for a potentially expensive lawsuit. What is the attorney's motivation to get your short sale done if they can make additional income protecting you from a potential deficiency judgement lawsuit? Is this not a conflict of interest? If you were sick with cancer, would you hire a doctor who also owned a funeral home? Of course not! Additionally, if you speak with a Bankruptcy Attorney, they are undisputed experts at helping you go Bankrupt; however, they also make their living by convincing you to File Bankruptcy. Bankruptcy is always an option, however, NOT always necessary. Nevada Short Sale Lawyers can be quite expensive. Who has money to hire an expensive attorney, when you are losing your home and preparing to move, etc.? Most people who are considering a short sale are experiencing a certain degree of Financial Hardship. In these tough economic times, many attorneys are experiencing a decrease in clients, and are looking for ways to generate additional income. Attorneys, who have never offered short sales as one of their services, are now jumping on the bandwagon and offering to do short sales for their clients. Times have gotten so tough for lawyers that even accident attorneys are now advertising Bankruptcy and Short Sale Services. Using an attorney to facilitate a short sale is a concern for several reasons: First of all, do you really think that the attorney you hire is going to make your short sale their top priority? Are they going to do the work themselves, or will they hand it off to their office assistants and paralegals to do the work? Most attorneys will not even make the time to meet with you personally. Are you prepared to spend $2000 - $5000 to hire a paralegal assistant to protect your family? While The Myers Team with The Caliber Realty Group are NOT attorneys, they are nationally recognized as one of the most influential figures in real estate today. Additionally, they are the most experienced short sale Realtors in the city. Since 2007, The Myers Team has sold more short sale listings than any Realtor or Broker in Nevada. According to Myers Team owner Bill Myers, "Our service is 100% guaranteed, meaning if the bank rejects the short sale for any reason, you do not pay us a dime. Our loyalty is to our clients. Why pay for an expensive Attorney when you can be backed by the experience, knowledge and negotiating power of the Myers Team with no out of pocket expense?" Visit The Myers Team web site at http://www.NevadaShortSaleInfo.com Additionally, please visit http://www.vegasshortsaleinfo.com
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| Las Vegas–THE LAKES–See homes that are available today! | Post <b>...</b> Posted: 27 May 2012 07:04 PM PDT Just make people happy with Las Vegas Real Estate. When I'm not doing that, I'm most like ballroom dancing! :). View all posts by lvrealestatelady →. This entry was posted in Uncategorized and tagged las vegas foreclosures ... |
| Las Vegas–PARK AVENUE MIDRISE CONDOS–See what is available Posted: 27 May 2012 08:06 PM PDT Just make people happy with Las Vegas Real Estate. When I'm not doing that, I'm most like ballroom dancing! :). View all posts by lvrealestatelady →. This entry was posted in Uncategorized and tagged las vegas park avenue ... |
| Las Vegas –CLICK HERE TO SEE BOCA RATON MIDRISE <b>...</b> Posted: 27 May 2012 10:53 PM PDT Just make people happy with Las Vegas Real Estate. When I'm not doing that, I'm most like ballroom dancing! :). View all posts by lvrealestatelady →. This entry was posted in Uncategorized and tagged boca raton condos las ... |
| Las Vegas #1 Short Sale Realtors | The Myers Team Posted: 28 May 2012 08:27 AM PDT Las Vegas, Nevada - A recent report named The Myers Team the #1 Short Sale Realtors in Nevada. Number one status was determined by actual short sale listings closed from January 1, 2007 through December 31, 2011. According to the report, The Myers Team with the Caliber Realty Group has negotiated more short sale approvals and closed more short sale listing transactions than any Realtor or Broker in Las Vegas. The majority of these closings have been short sales with Bank of America. The Myers Team is nationally recognized as one of the most influential figures in Real Estate today. According to Myers Team owner, Bill Myers, "Surrendering a home worth half of what you owe is NOT a failure, it's a business decision. A short sale is an opportunity for you and your family to take control and walk away free and clear. Nobody wants to lose their home; however, loan modification doesn't work and there is no need to go down with a sinking ship. Homeowners need to know when to say enough is enough." Many Realtors proclaim themselves to be short sale experts; however, according to Myers, "A Realtor in Las Vegas can become a Certified Short Sale Expert by attending a one day class at the Board of Real Estate. The ability to be called an expert in any field should be based upon performance and consistent results; not based upon attending an afternoon seminar." Myers added, "This would be the same as declaring yourself a 'home run expert' after attending a one-day baseball class yet never picking up a bat or actually hitting a ball." The Myers Team has continually broken sales records, and when it comes to short sale transactions, they are considered by most experts to be industry leaders. The Myers Team worked for Century 21 for nine years; however, in 2011 they joined forces with the Caliber Realty Group. According to Myers, "Our Real Estate market has changed; however, most Real Estate companies have not. While most Real Estate Brokers are still learning how to do short sales, the Caliber Realty Group is backed by ownership that has been dealing with Banks and Loss Mitigation Departments for almost three decades." Additionally, Myers said, "A short sale is one of the most complicated transactions in residential Real Estate and experience is everything. If you needed open-heart surgery, would you go to jack of all trades physician, or would you visit a heart specialist? The Caliber Realty Group specializes in short sale transactions. This experience allows Caliber Realty to provide a higher caliber of service and stand out in today's unique Real Estate market." Bill and Francoise Myers have helped hundreds of Las Vegas families avoid foreclosure. Myers said, "Sellers facing foreclosure must remember that banks are not looking out for you or your family. When you work with The Myers Team, our job is to get between you and the bank. We represent our clients, NOT the banks. It is our job to negotiate the best possible outcome. Ultimately, our job is to take away the stress, and make the transaction as smooth and stress-free as possible." Visit The Myers Team web site at http://www.NevadaShortSaleInfo.com Also visit http://VegasShortSaleInfo.com    |
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