Renting? You still might lose to a foreclosure.

Even though President Obama signed the federal Protecting Tenants at Foreclosure Act in 2009, renters are still finding themselves holding the short end of the stick.
http://www.msnbc.msn.com/id/39917117/from/toolbar

Peace of mind is priceless—why rent when you can own land for so much less and build your very own home on it? Now is the time to make your ownership dreams come true!

Home in Spring Canyon Ranch

Clear Capital™ Reports Sudden and Dramatic Drop in U.S. Home Prices

**With housing prices declining, doesn’t it make sense to buy land and build your own? Why let the market dips affect YOUR pocket?

Most recent data shows a two-month 5.9% price decline representing a magnitude and speed of decline not seen since March 2009; similar declines for September and October expected to appear in other industry indices in coming months.

TRUCKEE, Calif.  – Clear Capital (www.clearcapital.com), is issuing this special alert on a dramatic change observed in U.S. home prices.
“Clear Capital’s latest data shows even more pronounced price declines than our most recent HDI market report released two weeks ago,” said Dr. Alex Villacorta, senior statistician, Clear Capital. “At the national level, home prices are clearly experiencing a dramatic drop from the tax credit-induced highs, effectively wiping out all of the gains obtained during the flurry of activity just preceding the tax credit expiration.”
This special Clear Capital Home Data Index (HDI) alert shows that national home prices have declined 5.9% in just two months and are now at the same level as in mid April 2010, two weeks prior to the expiration of the recent federal homebuyer tax credit. This significant drop in prices, in advance of the typical winter housing market slowdowns, paints an ominous picture that will likely show up in other home data indices in the coming months.
Clear Capital HDI Index and S&P/Case-Shiller 20-City Composite HPI
Clear Capital HDI Index and S&P/Case-Shiller 20-City Composite HPI
For example, both Clear Capital and S&P/Case-Shiller indices have displayed consistent market peak, trough, secondary trough, and tax credit run-ups. Despite these consistencies, a critical difference is that HDI’s patent pending methodology enables more timely and granular reporting. Therefore, if previous correlations between the Clear Capital and S&P/Case-Shiller indices continue as expected, the next two months will show a similar downward trend in S&P/Case Shiller numbers.

Clear Capital HDI Methodology

  • Generates indices in patent pending rolling quarter intervals that compare the most recent four months to the previous three months. The rolling quarters have no fixed start date and can be used to generate indices as data flows in, significantly reducing the multi-month lag time experienced with other indices.
  • Includes both fair market and institutional (real estate owned) transactions, giving equal weight to all market transactions and identifying price tiers at a market specific level. By giving equal weight to all transactions the HDI is truly representative of each unique market.
  • An address-level cascade results in an index with the most granular, statistically significant market area available.
  • Provides weighted repeat sales, and price-per-square-foot index models that use multiple sale types, including single-family homes, multi-family homes and condominiums.

About Clear Capital

Clear Capital (www.clearcapital.com) is a premium provider of data and solutions for real estate asset valuation and risk assessment for large financial services companies. Our products include appraisals, broker-price opinions, property condition inspections, value reconciliations, and home data indices. Clear Capital’s combination of progressive technology, high caliber in-house staff and a well-trained network of more than 40,000 field experts sets a new standard for accurate, up-to-date and well documented valuation data and assessments. The Company’s customers include 75 percent of the largest U.S. banks, investment firms and other financial organizations.

Enter the “Come Up for Air Angel Fire Resort Winter Ski Getaway”

Discover why Angel Fire Resort is consistently rated one of the top family ski areas in the Southern Rockies by entering the “Come Up for Air at Angel Fire Resort Winter Ski Getaway.”

Four lucky winners will experience the ultimate in winter adventure – terrain parks, tubing, night skiing, and elegant dining – all while spending three fabulous nights in a slope-side mountain condo.

The “Come Up for Air Angel Fire Resort Winter Ski Getaway” also includes lift tickets for four (two days), plus equipment rental; snow tubing; and night skiing tickets. Cap off the adventure with a fabulous dinner for four at Angel Fire Resort’s new $16 million Angel Fire Country Club. Open to the public year-round, this new facility redefines the standards of elegance and hospitality in New Mexico’s high mountains.

The charm of Angel Fire is easy to grasp. Located in the scenic Moreno Valley, the resort sits in a 15-mile long, three-mile wide, high alpine valley surrounded by mountains. The resort offers two high-speed quad chairlifts, three double chairlifts and two Sunkid Wondercarpets, all accessing more than 70 trails for all skill levels.

The resort prides itself on appealing to the freestyle ski and snowboard crowd. The two freestyle parks have something for everyone. Lowrider Park features lower rails and smaller features for burgeoning freestylers, while Liberation Park features a dedicated chairlift, numerous jumps, and rails for advanced riders.

Whether your passion is carving turns, freestyling, or simply watching the “fire of the angels” sunset with a mug of hot chocolate, Angel Fire can provide a memorable winter adventure experience for the entire family.

Enter the “Come Up for Air Angel Fire Resort Winter Ski Getaway” today!

CLICK HERE to enter the sweepstakes and click here to learn more about Angel Fire Resort!

Ruidoso: 4th Annual Ski Run Road Challenge

Date: Saturday, October 16th, 2010

8:00 AM
RUIDOSO, NEW MEXICO

The Race

Ski Run Road Challenge is a 20K(12.5 miles) uphill run (solo or team relay race) on a paved road -(Highway 532) in Lincoln County, Ruidoso, New Mexico. This race is sanctioned by USATF. All profits benefit Ski Apache Disabled Skier program.

Times

• Race starts 8 a.m. sharp at Eagle Creek Sports Complex.
• Relay buses will leave at 7.30 a.m. to drop off team members at MM3.3, MM6, & MM9.5.

Elevation & Relief stations

• Start: 7319 feet
• MM3.3: 7608 feet (Water & energy drink available)
• MM6: 8645 feet (Water & energy drink available)
• MM9.5: 9959 feet (Water & energy drink available)
• Finish at Ski Apache Plaza: 9970 feet

Age Groups

• Male & Female: 19 & under, 20-29, 30-39, 40- 49, 50-59, 60-69, 70 &over.
• Relay Teams: Male, Female or Co-ed.

Registration – No registration on race day.

By mail: Must be postmarked no later that Oct 13 , 2010. Mail to: SRRC, P.O. Box 561, Ruidoso, NM 88355.

Internet registration: Active.com

Late Registration & Packet pick-up:
• Friday, October 15th at Ruidoso Athletic Club, from 8:00 am till 5:00 pm, 415 Wingfield Street (575-257-4900 or 937-7106)

Costs:
Solo $20 if postmarked by 9/30/10, $30 through 10/14/10. $50 on 10/15/10.
Military/Youth (under 19): $20 through 10/14/10. $40 on 10/15/10.
Relay Male/Female/Co-ed: $100 if postmarked by 9/30/10, $130 through 10/14/10. $160 on 10/15/10. Military Relay: $100 through 10/14/10. $160 on 10/15/10.

The Cause

Started in 1976, Ski Apache Disabled Skiers Program is one of the oldest adaptive ski schools in the country. The goal of SADSP is to provide snow sports instruction to any person with a permanent disability, regardless of the type of extent of disability or financial limitations. SADSP works with individuals, schools, NMSB & VI, rehabilitation centers, occupational and physical therapy centers.

T-Shirts & Awards & Food

The first 3 overall Male & Female winners will receive products from Nathan Human Propulsion Laboratories (wwwNathanSports.com) and a carved Ruidoso bear. Awards to first, second and third male & female in each age groups will be at the discretion of the race director. All preregistered participants will receive a commemorative T-shirt with their packet. We make every effort to have sufficient shirts for all participants. Great food catered by Ski Apache will be available free of charge to runners & volunteers at the finish line (Ski Apache Plaza). Guests and spectators may purchase lunch.

Traffic Control and Safety

Since Hwy 532/Ski Run Road ends at Ski Apache parking lot (the finish line for the race), traffic will be closed to unauthorized vehicles from MM3 to MM12 from 8 a.m. to 2 p.m. Starting at noon, shuttle buses will return finishers to the starting point of the race. Any private/unauthorized vehicles MUST start the drive to the finish line before 8 a.m. and cannot come back down before noon. NO EXCEPTIONS.

RUNNERS STAY ON THE RIGHT SIDE OF THE ROAD FOR THE ENTIRE RACE! NO DEVICES WITH HEADPHONES!

No Walkers, No bicycles, No strollers, No pets allowed, No devices with headphones..

Accommodations

• The High Country Lodge (walking distance from the start of the race) will offer a $69 + tax room rate, Hwy 48, Alto, NM 88312. 1-800-845-7265 or 575-336-4321.www.highcountrylodge.net

• La Junta Lodge (located 11/2 mile West of Eagle Creek Sports Complex). $69 + tax/2 persons & $10 for each additional person. Late check out at 1p.m.www.lajuntalodge.com. Reservations 1-800-443-8423.

• Check Websites such as www.ruidosonow.com, www.ruidoso.net, www.goruidosonow.com.

Weather/Clothing

The average October temperatures in Ruidoso are low 31, high 68. At this elevation, be prepared for the “unexpected.” Weather can change suddenly. Participants are encouraged to have adequate clothing available at the finish line. A race vehicle will be available to carry a bag (preferably the same as your packet) with your bib number to the finish line to be collected at the end of the race.

Directions

Map of New Mexico
MAP OF NEW MEXICO
(click for a larger size)

NORTH: From I-25 South take exit 139, Hwy 380 east to Carrizozo then Hwy 37 to Nogal, Hwy 48 to Ruidoso, turn right to Ski Run Road (#532).
SOUTH :: From Las Cruces, NM take Hwy 70 NE to Alamogordo then north to Ruidoso, proceed on Hwy 48 six miles north of Ruidoso to Ski Run Road(#532). From El Paso, TX take Hwy 54 north to Alamogordo, NM then HWY 70 north to Ruidoso, proceed on Hwy 48 six miles north of Ruidoso to Ski Run Road (#532).
EAST: From Roswell, NM take Hwy 70 West to Ruidoso, then proceed on Hwy 48, six miles north of Ruidoso to Ski Run Road (#532).

Information

Race Director: Frederic Moras

(575) 257-9507 or (575) 937-7106; email info@skirunroadchallenge.com info@skirunroadchallenge.com

NAR’s HouseLogic Launches Campaign to Help Military Families Sustain Homeownership

The National Association of Realtors®’ HouseLogic, a free, comprehensive consumer website about all aspects of homeownership, today launched Operation Home Relief, a new Facebook Causes campaign. The campaign aims to increase awareness, rally support and raise funding for USA Cares, a nonprofit organization that provides counseling and financial foreclosure assistance to post-9/11 active duty U.S. military service personnel, veterans and their families.

HouseLogic will donate $1 to USA Cares every time someone “likes” the Operation Home Relief Cause page on Facebook and will match individual donations made to the cause, up to $20,000.

“Owning a home is part of the American dream, where we make memories, build our futures, and feel comfortable and secure; and any family who loses that dream to foreclosure is one family too many,” said NAR President Vicki Cox Golder, owner of Vicki L. Cox & Associates in Tucson, Ariz. “HouseLogic’s Operation Home Relief aims to help sustain homeownership for military families who have already given so much to support our country, and we hope others will join together with us to support this worthy cause.”

When people lose homes to foreclosure, the community, the housing market and the economy all suffer. HouseLogic’s Foreclosure Guide highlights personal stories and offers information and tips to help homeowners facing foreclosure make smart, proactive decisions about what steps to take, where to find help and the alternatives to foreclosure. The guide also includes ideas for how others can get involved to combat foreclosures in their community.

“U.S. military service members bravely face danger around the world every day on behalf of all Americans. Yet, some military service members and their families also face financial dangers and hardships at home,” said William H. Nelson, executive director, USA Cares. “USA Cares’ sole mission is to help these service members and their families in their time of financial need. To that end, we’re excited to have the support of HouseLogic and the National Association of Realtors®. Their new Facebook Causes campaign highlights the work USA Cares is doing, reminding Americans of the many challenges faced by U.S. military service members and their families, and generates support via Facebook for the help that we’re offering every day.”

For more information on sustaining homeownership, and many other housing topics, visit HouseLogic at www.houselogic.com.

HouseLogic is a free source of information and tools for homeowners from the National Association of Realtors® that helps homeowners make smart decisions about all aspects of their home. HouseLogic helps homeowners plan and organize their home projects and provides timely articles and news; home improvement advice and how-to’s; and information about taxes, home finances and insurance.

USA Cares is a nonprofit 501(c)3 organization that helps post-9/11 military and their families with basic needs, assists veterans suffering from post-traumatic stress disorder (PTSD) and traumatic brain injury (TBI) and their families and works to prevent private military home foreclosures and evictions. In seven years, USA Cares has received over 24,000 requests and responded with more than $7 million in grants. Military families anywhere in America can apply for assistance through the USA Cares web site, www.usacares.org or by calling 800-773-0387. For more information on USA Cares contact John Revell, jrevell@usacares.org or call 270-352-5451.

The National Association of Realtors®, “The Voice for Real Estate,” is America’s largest trade association, representing 1.1 million members involved in all aspects of the residential and commercial real estate industries.

SECOND ANNUAL RUIDOSO MOUNTAIN HIGH FLY IN

Schedule Coming Soon








WHEN: Saturday, October 16,  2010

WHERE: Sierra Blanca Regional Airport
Ruidoso, NM (SRR)

WHAT’S HAPPENING:

  • Vietnam Era Soldier Rescue Re-Enactment
  • Gliders and Glider Rides
  • VFW Providing Free Hamburgers and Hot Dogs
  • Pancake Breakfast Provided by KFC and Taco Bell
  • Aircraft Camping Area
  • Flour Bombing Competition
  • WWII P-51 Mustang Demonstration
  • German Air-Force Tornado Display
  • Aircraft Rescue Fire Truck Rides and Demonstration
  • Classic Car Show by the Pine Top Car Club
  • Air Race
  • And Much More

Albuquerque Unveils North America’s Largest Concave Fresco

Masterpiece at the National Hispanic Cultural Center will make debut on 10/10/10

ALBUQUERQUE, N.M. — Rarely does a destination have the opportunity to announce a project that transcends geographic boundaries and cultural norms. With the completion of a 4,000 sq. ft. fresco inside the Torreon of the National Hispanic Cultural Center (NHCC) in Albuquerque (www.ItsATrip.org), visitors are invited to experience an extraordinary work of art and labor of love.

New Mexico artist Frederico Vigil has spent close to a decade on the project, which shares the story of Hispanic culture through the ancient art of fresco. The mural depicts Hispanic history through historical periods plus significant and iconic people and places.

The fresco will be unveiled as the NHCC (www.nhccnm.org) celebrates their 10th anniversary on October 10, 2010.

Following in the footsteps of fresco masters such as Giotto, Michelangelo, Masaccio and Goya, and, more recently, muralists Diego Rivera and Jose Clemente Orozco, Vigil continues this time-honored tradition inside the Torreon of the NHCC.

The intricate process of fresco requires many steps for each component of a mural. When the exhibit is completely finished, the NHCC will offer interpretive materials, classes and workshops showing the process so even non-artists can comprehend the magnitude of the masterpiece they are viewing.

As it is painted in the round, there are several points of entry into the fresco, allowing visitors to begin their journey wherever they choose. Over 3,000 years of Hispanic history are depicted in the broadest sense. In short, the fresco depicts and conveys the complexities, diversity and richness of the Hispanic experience. Themes such as science, literature, religion, acculturation, and technological evolution are followed across geographical expanses and time.

Born and raised in Santa Fe, Artist Frederico Vigil grew up infused with the rich history that has become the trademark of his art. Vigil first became involved with fresco during an internship in the 1970s with Lucienne Bloch and Stephen Pope Dimitroff, who were notably, apprentices to Diego Rivera.  This initial experience piqued his interest and he has since dedicated his life to creating frescos. Since completing his first fresco in 1984, he has created 12 major frescos; the one at the NHCC is his largest to date.

Credit: Kim Jew Photography

Albuquerque is an easy two and a half hour drive from either Ruidoso or Quemado—come visit Vera Cruz Mountain Ranch or Spring Canyon Ranch and find out for yourself why so many are choosing the New Mexico lifestyle!

Balloonists From Around the World Make Annual Pilgrimage


Celebrating Earth, Wind and Flyers

ALBUQUERQUE…Final preparations are underway for the 2010 Albuquerque International Balloon Fiesta “Earth, Wind and Flyers”, launching October 2rd through the 11th.  The 39th Balloon Fiesta will feature 500 registered hot air and gas balloons and 650 balloon pilots representing 17 countries and 39 states.

Registered pilots from 17 countries include Belgium, Brazil, Canada, Croatia, France, Germany, Ireland, Japan, Lithuania, Mexico, Netherlands, New Zealand, Poland, South Africa, Spain, United Kingdom, and the United States of America.

Topping the list of states contributing the most pilots is New Mexico with 177 pilots, followed by Texas (40 pilots), Arizona (26 pilots), Colorado (25 pilots), California (22 pilots), Illinois (14 pilots), Florida (11 pilots), Missouri (10 pilots), rounding out the top ten are Indiana and Kentucky with  9 pilots from their respective states.

New Mexico is the state that boasts the largest number of balloon pilots and is home to almost 200 balloons.  Pilots from around the world thrive in Albuquerque’s unique fall weather and take advantage of the “box” – a combination of upper and lower level winds created by the Rio Grande Valley and enhanced by the Sandia Mountains.  The box enables balloonists to sometimes backtrack their flight path and land close to their launch site.

The 15th America’s Challenge Gas Balloon Race will launch 18 pilots in 9 gas balloons on Tuesday, October 5th . The Albuquerque International Balloon Fiesta America’s Challenge race for gas balloons launches, weather permitting, at 6:30 PM on Tuesday, October 5th from Balloon Fiesta Park.  The change of schedule will give members of the American team who are also competing in the world’s other major gas balloon distance race, the Coupe Gordon Bennett, time to return to Albuquerque after the conclusion of the event.

The object of the America’s Challenge is to fly the greatest distance from Albuquerque while competing within the event rules.  The balloonists often stay aloft more than two days and must use the winds aloft and weather systems to their best advantage to gain the greatest distance.  Flights of more than 1,000 miles are not unusual, and the winners sometimes travel as far as Canada and the East Coast.

Photographs courtesy of Albuquerque International Balloon Fiesta, Inc.

GO FLY A KITE AT BALLOON FIESTA!


Earth, Wind and Flyers Kite Flying Contest For Kids of All Ages Friday, October 8, 2010 Contact:  Kathie Leyendecker, Media Relations kleyendecker@balloonfiesta.com 505-228-9874

Kids of all ages are invited to celebrate Kite Flying Fun on Friday, October 8th at Balloon Fiesta Park for an inaugural kite-flying competition.  The kite flying contest will be a wonderful introduction for new kite flyers and an opportunity for skilled ones to show off their kites against the beautiful backdrop of the Sandia mountains.  Balloon Fiesta’s world famous launch directors better known as the “Zebras” will officially start the day’s competition, and local Boy Scout troops will officiate.

A kite, a sky, and a good firm breeze,

And acres of ground away from the trees,

With miles and miles of space to run,

Flying kites at Balloon Fiesta is lots of fun!

All interested kite flyers must meet in front of the Main Stage on the East side of the Launch Field on Friday, October 8th at 12:00 noon to register in person to participate in the kite flying competition. Flight competition is from 12:30 pm – 1:30 pm, and the awards presentation, hosted by KOB TV’s Steve Stucker, is scheduled at 2:00 pm.

COMPETITON CATEGORIES – 12:30 to 1:30 pm

Kids Category Big Kids Category

9-11 year olds                        12-15 year olds

8 years and under                 15 years and over

COMPETITION RULES:

  1. All kite flyers register on the field the day of the event to participate.
  2. Kites may be handmade or purchased.
  3. No kite may exceed 5 pounds.
  4. All kites must be flown at an altitude of less than 500 feet.
  5. Contestants may enter and fly only one kite in the competition.

A KITE IS A TETHERED HEAVIER-THAN-AIR CRAFT THAT DEPENDS ONLY ON WIND FOR LIFT.

If weather conditions and wind conditions aren’t safe for flying, the judges may implement the “no flying conditions” rule, and all participants will receive a certificate of participation.