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Ki Gray's Articles Display Category|Title|Newest|Oldest Basic Statistics on Austin Texas Austin, Texas is drawing people from both coasts and around the US. It's not just the rolling hills and charming neighborhoods that are attracting the population growth. In this article, we talk numbers and facts that are making Austin an appealing place to call home. Austin Texas Neighborhood Profiles : Clarksville The West Austin area of Clarksville was originally a freedman's colony for slaves freed after the Civil War. Clarksville now has a very diverse population, and this diversity is reflected in the various nationalities of the residents. There is an excellent public grade school in Clarksville, named Mathews Elementary. North Loop: Old Meeting New North Loop is one of the many eclectic choices of neighborhoods in Austin, TX. This article gives some background and history on the area and gives you sense of how the neighborhood feels. Remodeling A Kitchen : A How To Guide This article describes how to perform a kitchen remodel. Steps to Finding the Right Neighborhood When searching for a neighborhood that is just right for you, there are various aspects to consider like school, land, shopping, and of course, location. Balancing these aspects to make the right real estate decision takes some prioritization, and with the help of a real estate agent, you can sort through these things. Current Issues Weighing on the Global Economy This article looks through the different issues facing the global economy. Quitting Real Estate: Possibly a Good Career Move As the real estate market slows alot of realtors have been leaving the real estate profession. This article goes through a few reasons why leaving might be a smart idea. Why in Today's Market a 30 Year Loan is King In the past I used to tell people to look at different mortgage rates for different loan products and determine what was best for them. If they were planning on moving soon a 5 Year ARM might work. If they planned on staying on the house longer they might consider a 30 Year Loan. Filmmaking Community in Austin Texas This article discusses the vibrant film scene in Austin. Treasury Reorganization: Recession Response or Red Herring? This article discusses the current reorganization that is occurring in the Treasury department. A History of Some of Austin's Oldest Hotels This article discusses the storied history of some of the old hotels in Austin, Texas like the Driskill and the Stephen F. Austin Why as a Listing Agent I Prefer to Work With Buyers With Buyers Agents This article explains how buyer's agents help reduce the potential for misunderstandings between buyers and sellers and streamline real estate transactions. Why I Hate 40-Year Loans This article explains some of the disadvantages of 40-year mortgages compared to some other options, while presenting many of the loan packages that helped cause the subprime crisis in a more critical light. Bear Stearns and the New Federal Reserve This article discusses the recent Federal Reserve-backed takeover of investment bank Bear Stearns by its competitor JPMorgan Chase, emphasizing the changing role of US monetary policy in the market. Can The Bush Tax Cut Work? Can the impending economic stimulus package that the Bush administration is creating have the power to keep the US from recession? This article discusses some of the factors of the economic crisis. Austin Neighborhood Profile: Hyde Park This article showcases the lovely and historic Hyde Park neighborhood in Austin, Texas. Bear Stearns and the Free Market This article concerns the governements quasi bailout of Bear Stearns. Why the Fed is Having Less Influence over Mortgage Interest Rates This article talks about the current relationship between the Fed and mortgage interest rates. Why Home Buyers should not Underestimate the Importance of Interest Rate Drops This article describe why potential home buyers should pay attention to interest rate changes. Bear Stearns from 20 Billion to 236 Million and Beyond This article talks about the recent history of Bear Stearns and its recent buyout. Is the Democratic Primary Destroying the Democrats? This article talks about the damage the current presidential primary is doing to the Democratic Party. Profiles in Green Building: The Austin Real Estate Market This article covers the long history of green building in Austin, Texas and its relationship to real estate in the area. Austin BBQ: A Tour of the Town This article provides a tour of some of the best BBQ joints in Austin Texas. Synthesizer Fundamentals: Classic 80's Brass This article describes in detail how to build classic 80's synth brass sounds step by step. Hillary and Obama: Where Are The Issues? This article discusses the ongoing primary fight between Hillary Clinton and Barack Obama. Feng Shui in Real Estate - The Landscaping Feng shui is a group of design principles when looking for or building a home. The idea is that these guides will help the energy of the home and create a better living environment. Austin Coffee: Keeping it Weird This article discusses ther diversity of Austin's plethora of local coffee shops The Underground Clubs on Red River in Austin Texas This article discusses the rich and vibrant history of the Red River district in Austin, Texas, which has spawned some the most renowned blues and rock musicians of the past fifty years. First Thursday's on South Congress in Austin Texas First Thursday is a monthly event in Austin Texas. Each first thursday the businesses on South Congress stay open late and the residents of Austin have some fun. The Organic Farmer's Markets in Austin Texas The farmer's markets in Austin, Texas are some of the top outlets for organic and sustainable produce in the United States. A Guide to Austin's Greenbelts This article gives you an Austinite's look into one of the most treasured natural attractions of central Texas: The Barton Creek greenbelt. Subprime Woes: Are We Out of the Woods Yet? The White House, the Fed, and bond insurance companies are all taking unprecedented action to minimize the subprime mortgage crisis. But is it enough? This article discusses the likelyhood that the US is headed towards recession with these factors in mind. Synthesizer Fundamentals: Classic 80's Brass This article describes in detail how to build classic 80's synth brass sounds step by step. First Thursday's on South Congress in Austin Texas First Thursday is a monthly event in Austin Texas. Each first thursday the businesses on South Congress stay open late and the residents of Austin have some fun. Liquidity: Why So Important in the Real Estate Market? This article discusses the neccessity of liquidity in modern money markets, and how central banks have injected $110 billion into the global economy to ease the credit crunch. Are We Headed for a Globalized Recession? The US recession depends as much on her neighbors as on internal checks like Congress and the Fed. If emerging economies stand to gain from the recession, should they bear some responsibility for righting the credit crunch? This article explains some of the problems globalization poses in a financial crisis. Sluggish Fed, Why Are You So Sluggish? This article discusses the recent reticence of the Federal Reserve towards interest rate cuts, and their potential economic effects. Waterloo Records: An Austin Original Since 1982, Waterloo Records has carried independent and local artists from Austin, Texas. Fed Restrictions Make Loans Tough This article discusses the recently tightened loan guidelines issued by the Federal Reserve in response to the sub-prime mortage crisis. First Night Out 2008: Looking for Something Different What will you be doing on New Year's Eve? Austin has its annual First Night Out with various activities, plays and festivals to experience. Recession Risks: The Silver Lining This article discusses some of the upsides to the recent US economic downturn. Is a US Recession Inevitable? This article discusses the possible causes of and outcomes from a potentially impending US recession. Why the Fun Fun Fun Music Festival is Growing Austin's own Fun Fun Fun Fest is now in its second year, and seems poised to compete with ACL Fest. This article talks about the positives and negatives of this year's upcoming FFFFest. Events in Austin Texas for Halloween Austin Texas always has a lot of different going on. But over Halloween Austin has a few more activities than usual. This article highlights a few of the most interesting ones. Fed Credit: Down The Tubes This article discusses the increasing likelyhood that the US will enter a recession in the wake of the Fed's ineffective interest rate cut on January 22nd. How Hillary Stole New Hampshire This article describes the New Hampshire primary upset and some of the key factors that led up to the surprising results. The Impending Subprime Interest Rate Freeze The White House is working with lenders to attempt to freeze rates on subprime mortgages in an effort to lower the number of potential foreclosures due to the subprime mortgage crisis. The Latest Federal Rate Cut - Another Attempt to Bolster the Real Estate Market This article discusses the Federal Reserve's recent third interest rate cut and its likelyhood to stem a future recession. Profile: The University of Texas at Austin The University of Texas at Austin is flapship school of the Texas college campuses. This articles provides some information and history on the University of Texas. Is the Federal Interest Rate Cut Enough to Stabilize Sub Prime Mortgage Woes? This article discusses the potential outcomes from the impending Federal interest rate cut on the US economy. Is the Superfund Capable of Restoring Confidence? The subprime mortage sector of the U.S. economy has taken huge losses over the past several months as many high-risk loans have defaulted. A new fund aimed at stabilizing this sector unfortunately just repackages the same problems under a new name- the "Master Liquidity Enhancement Conduit." Can this fund have a positive impact? SXSW: Which Admission Option is Best for You? This article covers the myriad options for people who want to attend some portion of the SXSW conference/festival in Austin, Texas this coming March. Profile: The University of Texas at Austin The University of Texas at Austin is flapship school of the Texas college campuses. This articles provides some information and history on the University of Texas. Is the Federal Interest Rate Cut Enough to Stabilize Sub Prime Mortgage Woes? This article discusses the potential outcomes from the impending Federal interest rate cut on the US economy. The Impending Subprime Interest Rate Freeze The White House is working with lenders to attempt to freeze rates on subprime mortgages in an effort to lower the number of potential foreclosures due to the subprime mortgage crisis. The Latest Federal Rate Cut - Another Attempt to Bolster the Real Estate Market This article discusses the Federal Reserve's recent third interest rate cut and its likelyhood to stem a future recession. Christmas in Austin Texas Austin is a vibrant town all year around but when Christmas comes Austin has a few uniquely Austin events to celebrate the holidays. This article looks through a few of Austin's Christmas traditions. Sprucing Up Your Home to Get It Ready to Sell Getting your home ready to sell can get confusing with all the choices of possible upgrades and cleanups. This article talks about a couple of options and ideas to consider. Every market is different so think about these options and what may be best for your home. Austin's Quest to "Keep Austin Weird" Austin is the capitol of Texas and has always been know for being a little different. And has recently taken as its motto "Keep Austin Wierd". This article explores Austin and its residents desire to keep the unique flavor of Austin intact. Should your First "House" be a Duplex? There are a number of benefits to buying a duplex as your first real estate purchase instead of a house. This article looks through some of the benefits of having your first "home" purchase be a duplex. Realtor Tips - Body Language Understanding the basic rules of body language can help you succeed professionally. But at the same time following the rules to strictly can lead to problems. Why People are Moving to Austin Over the last several years Austin has been expanding as more and more people move to Austin. In this article we go through some of the reasons people are moving to Austin. Selecting a Good Price for Your Home Purchase When buying a piece of real estate the purchase price is one of the most important factors in the potential transaction. In this article we go through the aspects involved in coming to a good price for your potential home. Cashflow is King (Sometimes) This article is not meant to diminish the importance of looking at cashflow for a property. It is simply to remind investors that making a wise investment decision should go beyond simply looking at cashflow. Finding a Good Lender A good lender is hard to find. He will be able to explain and guide you through the loan programs so that you find the right one for you. The Benefits of Buying Real Estate in a Bad Neighborhood Although people typically look for a good neighborhood, there are many benefits to buying in a bad neighborhood. This article goes through a few of the top reasons to consider buying in a bad neighborhood. What to Look for in a Loan Part 1 This is in an article that looks through the basic steps to getting a loan. The Benefits of a GFE and Pre-Approval The GFE or the good faith estimate is an important part of the real estate buying process. In this article we describe the GFE and its benefits. Feng Shui in Real Estate - The Location and Lot Feng shui is a group of principles to guide home and lot design. The idea is that these guides will help the energy of the home and create a better living environment. In Part 1, we discuss how feng shui can help find the right lot and location for your home. Austin's Identity Crisis for Downtown Austin Real Estate Austin is facing many changes with numerous high rise condos breaking into the skyline. The changes are hard to swallow for such a local-minded city, and some Austinites are having a hard time giving in to the changes. But with the influx of new residents, we have to prepare for the new adventure and fondly reminisce about the past. The Benefits of the 15 Year Loan With all the recent fancy loan programs, the 15 year fixed-rate loan has become a forgotten option to the typical 30 year. If you can spare the extra per month, you can save on interest paid as well as pay the loan in a shorter amount of time. Lowering Your Monthly Mortgage Payments When purchasing a home, it is helpful determine upfront how much you want to spend per month. To achieve these monthly payments, you can adjust some of the variables of your loan. Seven Steps of the Loan Process There are various steps of the loan process. From picking a lender to closing, each step is covered in detail. Myths About Real Estate Agents This article is a light analysis of Real Estate Agents and the myths surrounding them. Finding your Maximum House Price A guide on how to find the maximum house price when you are looking to purchase your first home. Selling Your Home: Making Your Home Accessible and a Pleasant Showing Experience Frequently when people are selling their home they concentrate on the price and the house. But their are other things a seller can do to increase the chances they will recieve and offer on the real estate they have for sale. A Guide to Buying your First Rental Property and Becoming a Landlord When you are buying your first rental property and becoming a landlord, there is lots to learn. How do I find tenants? What should I charge for rent? Should I update the places to get more rent? How do I tell the tenants they are late on rent? The Two Sides of Gentrification Gentrification has become a hot topic in cities like Austin Texas and Boulder Colorado where central neighborhoods have risen quickly in value. This article discusses some of the issues involved with gentrification. A Condo or a House? A Few Things to Consider When you are looking at buying a residence one of your considerations is whether to buy a home or a condo. This article looks through a few of the issues you should consider before making your decision. Now is Not a Good or Bad Time to Buy Real Estate People frequently spend time analyzing the current state of the market. In this article, we talk about why this is not the ideal strategy, and talk about other more important factors to consider when investing in real estate. Some Pros and Cons of Owning Real Estate Like many financial decisions their are pros and cons of moving into the real estate market. This article examines the pros and cons of owning real estate. What Green Building Means Over the last few years their has been a stronger interest in Green building techniques. This articles discusses some of the current terms and techniques involved with green building. Run the Numbers Before Buying an Investment Property Before buying an investment property it is a good idea to understand the different costs associated with owning a rental property to get an accurate idea about what your monthly cash flow will be. This article discusses how to run the numbers on an investment property and determine your expected monthly cash flow. Evaluating the Different Options Available for Downtown Austin Condos The downtown real estate market in Austin Texas has been expanding. With condos going up in the different sections of downtown its a good idea to evaluate the different options before plunging into the market. Top 8 Things to Avoid in the Real Estate Agent You Choose to List Your Home Picking a real estate agent to list your home, one of your most valuable assets, is difficult. This article contains a list of 8 things to look for and avoid when picking your real estate agent. Avoiding Sour Negotiations in Real Estate Negotiations can go sour, especially when emotions run high. The agent's responsibility is to understand the overall situation and help prevent it from getting too disruptive to the process. These are some techniques and tips on how to negotiate a win-win outcome. Why Have a Realtor? When purchasing a home or property, many people shy away from using a Realtor because it seems like a bother. But when making such a large investment, look for a Realtor with experience and who understands your values to help guide you into making a wise decision. What to Look for in a Loan Part 1 This is in an article that looks through the basic steps to getting a loan. The Benefits of a GFE and Pre-Approval The GFE or the good faith estimate is an important part of the real estate buying process. In this article we describe the GFE and its benefits. The Benefits of Buying Real Estate in a Bad Neighborhood Although people typically look for a good neighborhood, there are many benefits to buying in a bad neighborhood. This article goes through a few of the top reasons to consider buying in a bad neighborhood. Myths About Real Estate Agents This article is a light analysis of Real Estate Agents and the myths surrounding them. Seven Steps of the Loan Process There are various steps of the loan process. From picking a lender to closing, each step is covered in detail. Lowering Your Monthly Mortgage Payments When purchasing a home, it is helpful determine upfront how much you want to spend per month. To achieve these monthly payments, you can adjust some of the variables of your loan. The Benefits of the 15 Year Loan With all the recent fancy loan programs, the 15 year fixed-rate loan has become a forgotten option to the typical 30 year. If you can spare the extra per month, you can save on interest paid as well as pay the loan in a shorter amount of time. Finding your Maximum House Price A guide on how to find the maximum house price when you are looking to purchase your first home. A Condo or a House? A Few Things to Consider When you are looking at buying a residence one of your considerations is whether to buy a home or a condo. This article looks through a few of the issues you should consider before making your decision. The Two Sides of Gentrification Gentrification has become a hot topic in cities like Austin Texas and Boulder Colorado where central neighborhoods have risen quickly in value. This article discusses some of the issues involved with gentrification. A Guide to Buying your First Rental Property and Becoming a Landlord When you are buying your first rental property and becoming a landlord, there is lots to learn. How do I find tenants? What should I charge for rent? Should I update the places to get more rent? How do I tell the tenants they are late on rent? Selling Your Home: Making Your Home Accessible and a Pleasant Showing Experience Frequently when people are selling their home they concentrate on the price and the house. But their are other things a seller can do to increase the chances they will recieve and offer on the real estate they have for sale. Now is Not a Good or Bad Time to Buy Real Estate People frequently spend time analyzing the current state of the market. In this article, we talk about why this is not the ideal strategy, and talk about other more important factors to consider when investing in real estate.  1 | 2	Sign Up for a free account or learn more. 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