Top Forex Profit Multiplier Software Trading Program

Forex Profit Multiplier Software Trading Program

Forex Profit Multiplier is a forex trading course and forex teaching course developed by Bill Poulos,  forex, stock, trading and investment expert who is famous for developing advanced and sophisticated trading systems.

Forex Profit Multiplier (FPM) is a complete forex trading system that includes live training, video training, and a trading alerts software. It makes it easy for traders with busy lifestyles and little free time to trade the market efficiently and successfully.
Forex Profit Multiplier is the most in-depth and practical guide to forex trading we have seen in a long time. Highly recommended!!!

Forex Profit Multiplier is the most in-depth and practical guide to forex trading we have seen in a long time. Highly recommended!!!

Forex Profit Multiplier Product Specifications:

* The physical home study course
o Background & Overview CD-ROM tutorial
o (3) Brand New trading methods CD-ROM tutorial
o Bonus Module: Forex & Trading Basics CD-ROM tutorial
o Upsell Module: An additional brand new trading method
o Full color reference manual
+ All tutorials, modules & charts
+ Trading blueprints
+ 12 page Quick Start Guide
* Online group coaching sessions
o Weekly Direct Access to Bill Poulos and his Trading Team
o Online Q&A Sessions
* Automated Setup Identifier and Trade Trigger Software
o Custom software that spoon feeds trade alerts when a trade has setup and Entry should occur
o Ability to send alerts via Email, RSS or SMS message
* Profits Run Exceptional 24/7 Service and Support
o One Year of Unlimited Student Email Support
o Lifetime Access to the Members Website

Forex Profit Multiplier will be available soon – October 11 2010. Bookmark this website!!!

As soon as I have more information about Forex Profit Multiplier I will publish it here.

As to the Forex Profit Multiplier course itself, it is high quality, extensive information that can be profitable for you.

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Forex Income Engine Pip Tracer Reviews

You're about to discover a 100% customizable "blueprint" you can use to TRIPLE your profit potential in the Forex markets again & again, at any time of the day, for as little or as long as you like, starting with as little as a $500 trading account. Click here to watch the free proof of Forex Income Engine at work

Welcome to the Forex Income Engine 2.0 Today could be the turning point in your life you've been waiting for... that is, if you're prepared to do what it takes to get where you want to go. After all, if you're visiting this web page today, then my guess is that something is missing in your life.

Do you want to spend more time with your family? Are you looking for another source of income that could help you leave your J-O-B ("just over broke")? Maybe you want to start a "portable" business that you can run from anywhere in the world according to your schedule with no employees, no office, and no boss to answer to...

If any of that sounds interesting, then keep reading, because I have some great news for you. It doesn’t matter if you’re a complete beginner or a seasoned pro in the Forex markets; and, it doesn’t even matter whether or not you currently have a Forex trading method.

Regardless of your personal background and experience level with Forex, the information I’m about to reveal to you in this letter has the potential to make a profound impact on your life in many ways.

But before I begin, let me just say this: I truly believe that if you're a dedicated and serious individual, your life and your trading results could change forever after you read this letter, and you'll never look at trading Forex the same way again. And when you fully realize the power and lifetime value of finally becoming an INDEPENDENT TRADER in the markets, you’ll never feel the need to listen to another so-called “expert” again, because you’ll be empowered to make all the decisions. Keep reading to discover why I'm making these bold statements, and why I think you'll agree with me.

It Sounds Too Good To Be True, Doesn't It?

OK, I understand. That might all sound "too good to be true". If you're like me, you've probably seen some claims by supposed gurus that are not only unbelievable, but that make you almost feel embarrassed for the person making those claims.

Chances are, you're probably frustrated, confused, and maybe even a little angry because you feel like everybody is promising you the "moon and the stars", and delivering nothing but "hot air and fluff".

It's OK, and it's not your fault. Those "hucksters" should be ashamed of themselves. They're promising you things they know they can't deliver on. And that really burns me up.

So here's what I want you to do when you read this letter. See if what I reveal to you about Forex day trading actually MAKES SENSE. Ask yourself if you can imagine actually doing what I teach you. And see how you feel when you're done with the letter.

You won't find any crazy promises here. Not once do I claim "no losing trades ever". In fact, you'll discover how the most successful traders became successful because they learned the right way to deal with losing trades, and not wasting time and money seeking the mythical "holy grail" system of trading that never loses (it doesn't exist and NEVER WILL).

You also won't find any "green lights", "red lights", or "push button" nonsense that promises to make you money while you sleep. Do you honestly think that stuff exists? No? Good. I didn't think so.

However, what you WILL find here is how to become an INDEPENDENT MASTER Forex day trader. You'll see how I reveal to you the actual technical rules and logic behind a step-by-step trading method that finally gives you the power to trade on YOUR TERMS and on YOUR SCHEDULE... while protecting your positions with a built-in "risk shield" at all times. Whether you want to spend just 20 minutes a day, or hours at a time... the choice is ultimately YOURS.

When you're done with this letter, you should be saying to yourself, "YES. This makes sense."

Let's continue...

The Trader's MIND Map (a/k/a "How To Become An Independent Master Trader")

After over 35 years in the markets, I’ve watched traders follow a very predictable path of trying to achieve consistent success. And that’s why I developed what I call the Trader’s MIND Map. It’s a quick & simple way to find out where you’re at right now in your path toward Forex Mastery & how to get there faster than ever before.

Let's quickly walk through the map, seen to the right. As I describe each quadrant to you, ask yourself where you’re currently at; & by the time I finish, you should see which quadrant holds the most potential for you.

The "D" Quadrant: This is the Dependent Trader, & it’s easy to get sucked into this quadrant, especially if you’re a beginner, and that’s because probably 80% of the “how to trade Forex" market comes from this quadrant. Dependent traders have the mistaken belief that somehow the can’t-lose “holy grail” system of Forex trading exists, and it can be had for only $97. Further, all you need to do is install some software, like a trading robot, push some buttons, go sleep and wake up rich. Of course, this is nonsense, and you know it. Of all the 4 quadrants in this map, this is the most dangerous to be in, & it’s the one that has the highest probability of completely wiping out your trading account, again & again. It’s nothing but a black hole, & should be avoided at all costs.

The "N" Quadrant: This is the Newbie, or newcomer, Trader. The newbies are usually well-intentioned but have a desire to figure out everything for themselves. They get their hands on as much free or cheap stuff as possible – whether it’s from websites, books, or magazines - & think they can glue it all together and turn it into a profitable trading method. Now, this is the quadrant I was in for many years, and that’s the fundamental problem with it. It takes too much time. There’s just too much junk out there, & while I believe you CAN become a successful trader in the N quadrant, the cost is too prohibitive, both in your time plus the actual cost of money lost to the markets as you try out your ideas. Not to mention the toll this can take on your personal & family life.

The "I" Quadrant: This is the Independent Trader. Once you begin to operate from here, you’ve made a huge breakthrough. Independent traders seek out complete trading methods, usually in the form of home study courses, where all the rules are exposed, so that they know what decisions to make, no matter what happens in the markets. These traders have the potential to taste success in days & weeks, versus the months & years that Newbies suffer through. Further, Independent traders take advantage of any customer support offered with the home study courses they invest in to dramatically shorten their learning curve.

The "M" Quadrant: This is the Master Trader. This should be the ultimate goal of every trader, & by definition, a Master Trader is also an Independent Trader. Traders get to be Masters by working closely with someone who’s already there. They seek out coaching & reinforcement to make sure they’re pulling the trigger properly on every trade they place. They have a deeper understanding of the markets than traders from the other 3 quadrants can only dream about. And the best part is, becoming a Master Trader doesn’t have to take a long time, if you have the right coach & mentor.

So there you have it - the Trader's MIND Map. The good news is, it doesn’t matter where you're at right now, because my ultimate goal for you is that you become an Independent Master Forex Trader with the help of my Forex Income Engine 2.0 training program.

The 4 "Golden Rules" That Most Traders Will NEVER Learn

I am going to be very candid with you right now, and I risk alienating myself from most of the other Forex educators out there. However, I had to make a decision: tell you the truth, or keep my mouth shut to make good with the "old boys" network of Forex "gurus".

Deep breath... here it goes...

I've had my eyes on the Forex markets for years, but specifically, I spent the last few years carefully researching, testing, and tweaking every course, system, and method I could get my hands on to see what was going on. So, I think I've seen it all, and for the most part - it's ugly.

I have 4 "golden rules" that I use to determine if a trading method is good for me:
It must be a complete method, with setup conditions, entry rules, initial stop rules, and exit strategy rules, leaving no decision to chance.
It must include specific risk management, money management, and portfolio management guidelines.
It must be based on technical analysis, but it must not be a 100% mechanical system.
It must provide a way to trade in as little as 20 minutes a day and not force you to stare at your computer for hours.

Let me talk about item #3 above for a moment, because this is where a lot of traders can potentially lose a lot of money.

When you rely on a computer to make 100% of your trading decisions, you do not learn how to become a trader, and you never will. Instead, you essentially give up control of your trading account. This can be extremely dangerous to your portfolio, because almost every system I've seen since 1974 has been back-tested and curve-fit, which means it will ultimately fail, or at least not live up to its past hypothetical results.

Now, that statement might get me into trouble, especially with younger traders, who tend to believe that you can create a 100% mechanical system that never (or rarely) loses. Folks, that's called the Holy Grail, and a week doesn't go by that I don't get an email from someone who thinks they have found it.

By the way, this becomes even more dangerous when you base your livelihood on a third party service that feeds you signals every day without telling you their "secret formula". What would happen to you if they went out of business?

(Just for the record, I believe some mechanical systems ARE good, at least for awhile, but I also believe the only way to maximize their use is if you truly understand how to trade in the first place.)

By harnessing the power of these discoveries, and coupling that information with all the other insights I've picked up over the past 3 decades, I’ve found a way to show you exactly, step-by-step, how to quickly identify the absolute best day trading Forex opportunities again & again... all based on my time-tested, complete trading principles.

Nothing is left to chance because my method is a tight integration of the 4 main components that are a requirement of any good trading method: setup conditions, entry rules, initial stop rules, and exit strategy rules.

And speaking of exit strategy rules, I also reveal how to reduce your risk on every trade to ZERO, as quickly as possible. I call it my "Free Trade Strategy", and it's just another way for you to totally customize your trading experience so it's RIGHT FOR YOU.

Ultimately, I want to give you a method you can "turn on" whenever you find that you have time to trade.

And that’s why I decided to name my course the Forex Income Engine – because the goal of the method is for you to create a new income stream, almost on demand, like turning on an engine.

Let's take a look at some recent sample trades you could have made using the Forex Income Engine 2.0. Keep in mind that trades like this are setting up ALL THE TIME, even potentially right this second.

This video reveals some awesome trades you could've made on the GBP/USD pair, 15-minute chart. See how quickly we rack up 226 pips, or $2,260 had you traded two standard lots.

Just click on the "PLAY VIDEO" button to watch this short video (a new window will open).

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How To Invest In Best Stocks Video

How to buy best stocks daily. 10% - 13% by going short in THIS market

Have you been keeping up with the new Market Mastery training videos that reveal the 4 low-risk, high-probability "profit pockets" that can occur on almost ANY stock chart?

Well, I just got ANOTHER quick video update from the developer, Bill Poulos, that shows a handful of GREAT trades you could've gotten in on as a Market Mastery student over the past week or two.

Watch as Bill shows you a great short trade using the "Profit Pipeline" method that potentially pulled in 10% on the first half & 13% on the second half in a matter of days...and then how his "Velocity Method" got right back in for another great short trade which already hit the 10% target.

Trades like this can set up all the time, and when you know how to grab them, it gives you a definite edge over most traders.

See the trades here...



Pay careful attention to his comments about what most other traders probably would have done in these markets, and see how, using the Market Mastery methods, you have a leg up on them.

Good Trading

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Obama throws $75 billion lifeline to homeowners

Obama throws $75 billion lifeline to homeowners

President Barack Obama threw a $75 billion lifeline to millions of Americans on the brink of foreclosure Wednesday, declaring an urgent need for drastic action — not only to save their homes but to keep the housing crisis "from wreaking even greater havoc" on the broader national economy.

The lending plan, a full $25 billion bigger than the administration had been suggesting, aims to prevent as many as 9 million homeowners from being evicted and to stabilize housing markets that are at the center of the ever-worsening U.S. recession.

Government support pledged to mortgage giants Fannie Mae and Freddie Mac is being doubled as well, to $400 billion, as part of an effort to encourage them to refinance loans that are "under water" — those in which homes' market values have sunk below the amount the owners still owe.

"All of us are paying a price for this home mortgage crisis, and all of us will pay an even steeper price if we allow this crisis to continue to deepen," Obama said.

The new president, focusing closely on the economy, in his first month in office, rolled out the housing program one day after he was in Denver to sign his $787 billion emergency stimulus plan to revive the rest of the economy. And his administration is just now going over fresh requests for multiple billions in bailout cash from ailing automakers.

Wall Street has shown little confidence in the new steps, declining sharply on Tuesday before leveling off after Wednesday's announcement. The Dow Jones industrials rose 3 points for the day.

Success of the foreclosure rescue is far from certain.

The administration is loosening refinancing restrictions for many borrowers and providing incentives for lenders in hopes that the two sides will work together to modify loans. But no one is required to participate. The biggest players in the mortgage industry temporarily had halted foreclosures in advance of Obama's plan.

Complicating matters, investors in complex mortgage-linked securities, who make money based on interest payments, could still balk, especially those who hold second mortgages or home equity loans. Their approval would be needed to prevent many foreclosures.

"The obstacles have not gone away," said Bert Ely, a banking industry consultant in Alexandria, Va.

Another cautionary note came from John Courson, chief executive of the Mortgage Bankers Association.

"It seems to offer little help to borrowers whose loan exceeds their property value by more than 5 percent," he said, noting that that requirement would limit the plan's success in some of the hardest-hit areas in California, Florida, Nevada and Arizona and parts of the East Coast.

Indeed, Obama himself said, "This plan will not save every home."

The goal is to lower many endangered homeowners' payments to no more than 31 percent of their income. But that depends on a high degree of cooperation by lenders who have been increasingly wary of new lending as the crisis has deepened.

Still, the Obama administration, after talking with mortgage investors, appears confident that it is providing the right mix of incentives and penalties to make sure mortgage companies take part. Obama said he backs legislation in Congress to allow bankruptcy judges to modify the terms of primary home loans — an idea ardently opposed by the lending industry.

"Taken together, the provisions of this plan will help us end this crisis and preserve, for millions of families, their stake in the American Dream," Obama said. Yet, he also added: "We must also acknowledge the limits of this plan."

He called on lenders, borrowers and the government "to step back and take responsibility" and said: "All of us must learn to live within our means again."

There's broad economic anxiety across the nation, an Associated Press-Gfk poll indicated.

Nearly three in four people say they know someone who has lost a job in the past six months as a result of the tough economic conditions, according to the poll, released Wednesday. And more than half say they worry about being able to pay their bills and about seeing their retirement investments decline. So far, Obama's job approval rating still is high, at 67 percent, and he is scoring strong marks for his handling of the economy.

The president unveiled his housing plan at a Phoenix-area high school in a state with one of the country's biggest foreclosure rates.

Nationally, Moody's Economy.com says that of the nearly 52 million U.S. homeowners with mortgages, about 13.8 million, or nearly 27 percent, owe more than their homes are worth after many months of declining prices.

How soon will the new plan show results?

"You'll start to see the effects quite quickly," Treasury Secretary Timothy Geithner told reporters in Phoenix, noting that rules governing the changes will be published March 4.

In theory, homeowners facing foreclosure or borrowers owing more on their homes than their mortgages are worth would have more opportunities to refinance their loans so that they have lower monthly payments. Lenders would voluntarily participate in the government programs.

The $75 billion Homeowner Stability Initiative would provide incentives to mortgage lenders to cut monthly payments in an effort to persuade them to help up to 4 million borrowers on the verge of foreclosure. The goal: cut monthly mortgage payments to sustainable levels, using money from the $700 billion financial industry bailout passed by Congress last fall.

Another part would specifically help people with dwellings whose market value has sunk below the principal still owed on the mortgages. Such mortgages have traditionally been almost impossible to refinance. But the White House said its program will help 4 million to 5 million families do just that — if their mortgages are owned or guaranteed by Fannie Mae or Freddie Mac.

To boost confidence, the Treasury Department said it would double its support to the two mortgage giants that the government essentially took over last fall.

It said it would absorb up to $200 billion in losses at each company by using money Congress set aside last year and will continue purchasing mortgage-backed securities from them. Fannie Mae and Freddie Mac are projected to need a combined government subsidy of about $66 billion, well short of the new promise of up to $400 billion.

Obama emphasized that his plan focuses on helping families who have "played by the rules" stay in their homes.

But, he said, it will do nothing to help "the unscrupulous or irresponsible." He cited so-called speculators who took out risky loans on multiple properties to make money by selling them during the housing boom, lenders who took advantage of naive buyers by glossing over the fine print, and people who willingly bought homes that were way beyond their means.

"This plan will not save every home," Obama said.

Associated Press Writers Alan Zibel, Mark S. Smith, Jennifer Loven and Martin Crutsinger in Washington contributed to this report.

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'Realistic' approach is needed in Real Estate weak market

'Realistic' approach is needed in weak market
by Ellen James Martin-Universal Press Syndicate

Those who sell real estate recall those heady days just a few years ago, when competition over the best homes on the market - known as "showcase properties" - was robust. Multiple bids were common, and eager buyers submitted contract offers stripped of all conditions, such as the right to a home inspection.

Indeed, some buyers were so anxious to beat rival bidders in the race to own an attractive home that they would snap it up without even visiting first, recalls Tom Early, a real-estate broker and former president of the National Association of Exclusive Buyer Agents (www.naeba.org).

Nowadays, the tables are turned. In many neighborhoods, buyers have lots of leverage, and motivated sellers, including the corporate owners of homes taken back through foreclosure, are compelled to bargain with prospects. The sellers of showcase homes, known as "cream puffs," are no exception. "At a time when buyers are incredibly demanding, you must be absolutely realistic about the market," Early says.

Here are pointers for the sellers of homes with exceptional allure:

• Select a listing agent with a good eye.

"If your house is spectacular, you want visuals to show just how good it looks," says Dorcas Helfant, a former president of the National Association of Realtors (www.realtor.org).

Visuals include photos for print advertising and video for online listings, including the "virtual tours" that have become a popular home-marketing tool in cyberspace.

As Helfant notes, more agents are taking classes in digital photography, and more are producing the sort of professional-quality visuals that home sellers need to compete, especially in neighborhoods with many homes for sale.

• Don't expect too much of a pricing premium.

Is the property you're selling decked out with several features that excite buyer interest, such as fine wood cabinets, granite countertops, floor-to-ceiling windows and a fireplace in the master suite? Does it also have 10-foot ceilings throughout? If so, you may be tempted to ask a lot more than your neighbors are asking for similar-size properties that lack such fancy features.

But Helfant cautions against attaching too high a premium when pricing your showcase home, no matter how fancy or well-kept it is.

"Given today's competitive markets, where available properties abound, I wouldn't go more than 3 to 5 percent over other like homes in your community, even the ones that don't show nearly as well," she says.

• Consider a neighborhood open house for the public.

Real-estate experts often downplay the value of public open houses as a means of attracting the interest of serious purchasers. They say most open-house visitors are curious neighbors or "wishful buyers" who lack the means to go through with a purchase. On the other hand, well-qualified buyers are typically guided through homes by their agents.

But Helfant says there's a way to increase the impact of the public open house conducted for your showcase property: Encourage other sellers in the neighborhood to hold open houses on the same day, thereby increasing your potential draw.

"Ask your listing agent to contact the agents representing all the other sellers. The more the merrier when it comes to open houses. With more homes open, the greater the chance that serious prospects will come by, with or without their agents," Helfant says.

A neighborhood open house can be especially beneficial for the sellers of showcase homes because buyers can quickly compare all the places they see.

• Don't second-guess yourself on your plans to sell.

Many owners of showcase homes are ambivalent about letting go of their properties in a market where bargain shoppers have so much clout. Even after they've put their place up for sale, they wonder if they should pull the place off the market until they can get a better price.

Before retreating, Early urges you to take into account the personal and financial implications of postponing your sale.

"Maybe your neighborhood market could stage a huge rebound within one to two years. But you should also consider all the ways you might lose out by waiting," Early says.

"Postponing your hopes and dreams for a better housing situation means you could be missing that once-in-a-lifetime chance to buy your fantasy property at a major discount," he says.

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Fannie Mae and Freddie Mac will have lower limits on the size of loans they can buy.

Fannie Mae and Freddie Mac will have lower limits on the size of loans they can buy.

WASHINGTON - People looking to buy more expensive homes next year will have fewer options to find financing because Fannie Mae and Freddie Mac will have lower limits on the size of loans they can buy.

The changes, effective Jan. 1, will lower the limit in high-priced real estate markets to $625,500 down from $729,950. Consumers who need to take out home loans above that amount typically pay higher interest rates, and that can price some would-be buyers out of the market.

The Federal Housing Finance Agency, which regulates Fannie and Freddie, kept the limit for lower-cost metro areas at $417,000. Some counties, including parts of Virginia, Utah and Maryland, have limits that range between $625,000 and $417,000.

Lawmakers temporarily raised the loan limits for Fannie and Freddie in a housing bill passed over the summer.

There are fears, however, that the reduced limits will hurt the housing market next year. Fannie and Freddie have become the dominant source of mortgage funding since last year's collapse of the subprime lending market.

The National Association of Realtors is pressing lawmakers to keep the limit at $729,950 to help the U.S. housing market recover from its worst slump in decades.

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Homeowners Avoid Foreclosure with Loan Modification Plan

Homeowners Avoid Foreclosure with Loan Modification Plan

Sources: Gov't prepares loan modification plan

WASHINGTON - The government is preparing to unveil a plan that would help around 3 million homeowners avoid foreclosure, sources briefed on the matter said.

A final deal had not been reached as of Wednesday afternoon and negotiations could still fall apart, but government agencies were contemplating using around $50 billion from the recently passed bailout of the financial industry to guarantee about $500 billion in mortgages.

The plan could include loan modifications that would lower interest rates for a five-year period, according to two people briefed on the plan, who asked not to be identified because details were still being worked out and the plan was not yet public.
The plan would be the most aggressive effort yet to limit damages from the U.S. housing recession, which has shaken global credit markets.

More than 4 million American homeowners with a mortgage were at least one payment behind on their loans at the end of June, and 500,000 had started the foreclosure process, according to the most recent data from the Mortgage Bankers Association.

The government's program would be run by the Federal Deposit Insurance Corp. The agency's chairman, Sheila Bair, said last week she was working "closely and creatively" with the Treasury Department on such a plan, but revealed few details.

The plan had been scheduled to be announced Wednesday but was pushed back because the details were still being finalized.

Andrew Gray, an FDIC spokesman, said it would be "premature to speculate about any final framework or parameters of a potential program."

Treasury Department spokeswoman Jennifer Zuccarelli called details of the loan modification plan "simply inaccurate." She said the Bush administration "is looking at ways to reduce foreclosures, and that process is ongoing," but has not decided on a final approach.

Borrower frustration is growing over the government's slow and limited assistance programs.

On Wednesday, about 100 demonstrators marched in front of the headquarters of Fannie Mae, and forced a mid-afternoon meeting with the company's chief executive, Herbert Allison.

Some held signs that read "Restructure our loans now," "Fannie Mae destroys lives" and "Foreclose on Fannie Mae."

Bruce Marks, chief executive of the Boston-based Neighborhood Assistance Corp. of America, said the Fannie Mae should adopt a program similar to the one the FDIC put in place at failed IndyMac Bank of Pasadena, Calif. Borrowers there are getting interest rates of about 3 percent for five years.

Fannie Mae, as the largest buyer and guarantor of mortgages "sets the standard" for the industry, said Marks. "They talk and they talk and they never do."

After the meeting, which included Allison and other top managers, company spokeswoman Amy Bonitatibus said "we agreed to continue to meet with them and work together on foreclosure prevention."

Over the past 10 weeks, Fannie Mae says it has received more than 40,000 defaulting loans and stopped 80 percent of them from going into foreclosure.

Last month, the government seized control Fannie Mae and Freddie Mac, the two biggest U.S. mortgage finance companies, with a rescue plan that could require the Treasury Department to inject as much as $100 billion into each to keep them afloat.

It was unclear Wednesday what role Fannie and Freddie would play in the government's sweeping plan to help millions of American homeowners. But lawmakers on Capitol Hill want the companies to take a more aggressive approach.

Sen. Christopher Dodd, D-Conn., the chairman of the Senate Banking Committee said in a statement Wednesday that "federal agencies and financial institutions must do more to modify the mortgages they hold in order to stop foreclosures and help families keep their homes."

By guaranteeing millions of mortgages, the government could help restore confidence in the market for securities backed by mortgage loans. That was where the global credit crisis started.

As a surprising number of homeowners began defaulting on their loans, investors could no longer put a value on the securities which were backed by pools of mortgages. So trading of these securities froze, sending shock waves through the financial industry.

Ready to find a home at a great price in the Phoenix Metro Area. Speak To A Professional RE/MAX Phoenix Realtor NOW....Call : 623-979-8888. We can show you foreclosures, Short Sales, REO, as well as any and all homes for sale in the Maricopa area. Search the complete Phoenix AZ MLS for free at http://www.buyphoenixazhomes.com/

Feds Slash Interest Rates.

Feds Slash Interest Rates.

WASHINGTON - Just how far will the Federal Reserve go in lowering interest rates to save the country from a long and painful recession?

Ratcheting its key rate from the current 1 percent all the way down to zero can't be ruled out. But there are risks in taking such an unprecedented step: namely, that it wouldn't work in turning around the economy and breaking through a stubborn credit clog.

Eventually, a zero percent rate - virtually "free" money - could trigger a speculative investment frenzy that could feed a bubble that pops, wreaking havoc on the economy. And that, in turn, could lead to the very kind of financial crisis now afflicting the global economy. Former Fed Chairman Alan Greenspan - now partly blamed for the current problems - has called today's crisis a "once-in-a-century credit tsunami."
Emphatic as it was, the bold rate reduction the Fed ordered Wednesday and the possibility of even lower rates ahead are no panacea. Even lower rates won't necessarily entice skittish Americans to spend and squeezed banks to lend more freely - forces at the heart of the economic woes.

With any luck, though, the Fed's action will cushion the blow to the country, which is on the brink of - or already in - its first recession since 2001.

The Fed slashed its key rate by half a percentage point to 1 percent, a rate not seen since 2003 and part of 2004. The rate hasn't been lower since 1958.

In a gloomier assessment of the economy, Fed policymakers said "the pace of economic activity appears to have slowed markedly" as consumers and businesses cut back on spending, and economic slowdowns in other countries sap demand for U.S. exports, which have helped keep the economy afloat.

Moreover, the "intensification of financial market turmoil" is likely to weigh on consumers and businesses, further reducing their ability to borrow money, the Fed said.

Many economists predict Fed policymakers will drop the rate again to half a percentage point, which would mark an all-time low, on or before Dec. 16, its last scheduled meeting of the year. The Fed left the door wide open to more rate cuts, pledging to "act as needed" to revive the economy.

Yet even if the Fed were to lower its key rate to zero, that might not reverse the bunker mentality of consumers and lead them to ramp up spending.

More than in recent recessions, consumers have retrenched as vanishing jobs, shrinking paychecks and nest eggs, and sinking home values have made them feel less wealthy and less inclined to spend.

Consumer spending - the single biggest chunk of overall economic activity - probably fell in the July-to-September quarter. That would mark the first quarterly drop since late 1991, when the country was emerging from a recession.

And just because borrowing costs are cheaper doesn't mean banks will feel more inclined to beef up lending to people and businesses.

"The problem is not the interest rate," said Sean Snaith, an economics professor at the University of Central Florida. "It is that no one is willing to loan, regardless of what the rate is. Lower rates will not make the problem go away. The credit crunch will take time to resolve."

The Fed's move Wednesday meant the prime lending rate for home equity loans, certain credit cards and other consumer loans dropped to 4 percent. Even if the Fed were to cut its main rate to zero, the prime rate would fall to 3 percent but no lower.

The Fed probably would want to stop short of zero, so it saves precious ammunition - meaning additional rate cuts - should the economy take a turn for the worse later on, some economists said.

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Stock Market Financial Crisis Wrapup - Commentary

Stock Market Financial Crisis Wrapup - Commentary

At the risk of offering too many communications, I want to keep you informed during these very turbulent weeks. Last Thursday night, Washington Mutual failed. Despite this being, by far, the largest U.S. bank failure, JPMorgan Chase took over their operations, assets and deposits immediately and with surprising smoothness. Depositors and customers should be fine. However, Washington Mutual equity holders were wiped out, and debt holders will likely get little return of their investment. Today, the FDIC announced that Citigroup was immediately taking over the commercial and investment banking operations of Wachovia in a complex transaction. The FDIC, our federal bank deposit insurer, did not lose money in the Washington Mutual transaction, and may not lose money in the Wachovia transaction. I think the FDIC has been doing a great job of handling these momentous events smoothly. Those little placards on bank counters really do have a great federal agency behind them!

On Sunday, Congressional leaders announced that they had finally reached agreement on a rescue package for the financial firms experiencing difficulty. While many details of what is now called the “Emergency Economic Stabilization Act” (EESA) remain to be resolved, this 109 page agreement likely means that a gradual return to normal functioning of credit markets is possible. While the $700 billion sum that would be authorized is substantial, it is important to note that this is not an expenditure. The EESA funds will be used to purchase or insure sub prime mortgage debt and other low quality debt that, along with high leverage, has led to the failures and shotgun mergers we have seen to date. We taxpayers may or may not lose money with this program. The outcome will depend on the price we pay up front, the future course of the economy and home prices, and many other factors. This government program in combination with other actions already taken is intended to allow these troubled financial institutions to delever their balance sheets without the serious threat of bankruptcy over their heads.

The first vote on this Act in the House today failed, but House leadership on both sides have said that the Act will be “reconsidered” on Wednesday or Thursday. Between now and then, I expect that there will be some modifications to the bill and some arm twisting and that the Act will then be passed by the House. The Senate vote is scheduled to follow. With only one third of Senators up for election this year and noses easier to count, I think the Senate will vote in the affirmative, and so I expect passage of this Act.

It is safe to say that the market was very disappointed in the House vote, with the Dow, for example, falling about 578 points after the failed vote, adding to the 200 point loss earlier in the day. If there is no additional negative news tomorrow or Wednesday, the markets may remain at about these levels and allow Congress some breathing room to debate, amend and approve this legislation. Possible negative news to send the markets down further may come from Europe and the UK, or from indications that the EESA legislation will not be passed this week. There is some positive news; the Fed has announced it will pump in an additional $630 billion into the global financial system.

Now I certainly understand the concern and anger many of you have expressed over this program. If the Treasury pays too much for the assets it buys, the effort would become a Wall Street bailout and leave taxpayers stuck with the bill. However, I do see a bipartisan consensus that such a misuse of the funds is not going to be tolerated. On the other hand, the prices paid must be high enough to reduce failure risk by strengthening the current weak link in our system, high enough to rescue the institutions in crisis.

Are these further actions necessary? I can argue both sides. On the “yes” side, I would say that while these deeply troubled financial institutions are few, they provide a huge amount of lending, securities issuance, trading, clearing, custody, and other functions. They are analogous to the oil for your car’s engine – not a big part, but absolutely essential for the engine’s operation. This analogy is why folks keep talking about credit markets “seizing up”. We are running our economic engine while it is low on oil. Now we could just park the car, let these Wall Street firms succeed or fail on their own and then build new firms to provide the oil. But that course is risky and we are not sure what would happen. I doubt that it would lead to the Great Depression II, but it might turn what looks to be a developing modest recession into a bigger one. So to prevent a deeper recession, the rescue is probably a good idea.

On the “no” side, I would say that we may be able to whistle past the graveyard and avoid serious consequences. Maybe the many other good banks will continue to pick up the slack on lending and acquire the needed pieces of failed banks, as JPMorgan has done, and we can all move on. And the program does have problems of its own. The rescue could turn into a bailout, costing us taxpayers money and rewarding bad behavior and bad decision making at a few large financial institutions. It could turn into a “let’s bail out everybody” program, rewarding folks for their bad decisions on home purchases and all sorts of other people—spec. homebuilders, home “flipping” speculators and the like at the expense of the vast majority of homeowners who pay their mortgages on time. In my experience, real estate bailouts are always unavoidably inequitable and ugly. And the rescue could expand to other lenders and borrowers; lobbyists are swarming Washington.

Weighing both sides, I have to say that while my heart says no but my head says yes to the Emergency Economic Stabilization Act. I am glad there has been a vigorous debate over the program and that the legislation now incorporates a number of important safeguards. They will likely be needed as this program unfolds over the weeks and months ahead. We are not out of the woods. Other banks could fail, but let me hasten to add that I think the vast majority of banks are sound, with solid balance sheets and good business models and prospects.

These truly are troubled times. Absolutely stunning mistakes and very bad business and investment decisions have been made by some Wall Street firms. The damage has been large. I am not happy, and I am sure that you are not happy to now be a part of this rescue package. Nevertheless, I do take comfort from the fact that, while some financial firms have levered up on very risky investments, most non-financial companies have not. Non-financial U.S. corporations have, in aggregate, de-levered enormously over the last 12 years, stripping $2 trillion of net liabilities off their balance sheets. U.S. non-financial corporations are now, for the first time in history, net lenders, not borrowers. And, unlike financial corporations, non-financial corporations have also reduced their net equity—by about $2 trillion dollars over the last four years. The combination represents, in my opinion, a huge deleveraging that surpasses the direction Wall Street took. So, while we deal with this problem of overly levered, bad investments at a few, but important Wall Street firms, we need to maintain a sense of proportion. The vast majority of American workers and companies have, in my opinion, conducted themselves well. And I believe that these companies and their stock and bond prices are, generally speaking, fairly or under valued. I do think that the rescue program will work to quell this financial market crisis and we can return over time to evaluating the substantial fundamental economic value in the market. In the midst of this financial crisis I think it is important to maintain perspective. Panicky moves away from well balanced investment portfolios at times like this most often in my experience lead to locking in losses and missing the ensuing recovery.

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The information set forth was obtained from sources which we believe reliable but we do not guarantee its accuracy or completeness. Neither the information nor any opinion expressed constitutes a solicitation by us of the purchase or sale of any securities.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. To determine which investment(s) may be appropriate for you, consult me prior to investing. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and cannot be invested into directly.

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Google G1 Android Phone Review

Google Android Phone's Big Premiere

In the most anticipated mobile-phone launch since the release of Apple's iPhone, the T-Mobile G1 was unveiled Sept. 23.

Like the iPhone, unveiled in June 2007, the G1 is the brainchild of one of tech's most innovative companies; it's the first phone boasting the Android software created by a Google (GOOG)-led consortium. Like Apple's music-playing handset, the G1 features a full Web browser and connects to the Internet with Wi-Fi technology. G1 similarly boasts a large touchscreen and lets users download games and tools from an online bazaar akin to the Apple App Store.




That's about where the similarities end. The G1 is to follow a different path from the Apple (AAPL) iPhone in some crucial ways, notably volume growth. G1 is expected to do well, though it may not replicate the iPhone's early successes.

Fewer T-Mobile Subscribers
Analysts predict that manufacturer HTC will sell 200,000 to 400,000 units this year, once the device becomes available on Oct. 22 in select markets. The device will sell for $179 with a two-year contract. At the high end of that estimate, the first Android device would gain almost 4% of the U.S. smartphone market in the fourth quarter, expected by wireless researcher Strategy Analytics to total 10.5 million. Tina Teng, an analyst at research firm iSuppli, believes Android-based devices will sell 2 million to 3 million units globally in 2009.

Still, the original iPhone sold 1 million units in its first 1½ months on the market—and that was during what is usually a slow sales season, compared with end-of-year holidays. Apple expects to sell 10 million units of the next-generation device, the iPhone 3G, this year.

Sales expectations are lower for Android partly because G1 will be carried by T-Mobile USA, which has 30 million subscribers, compared with Apple's iPhone partner, AT&T (T), which has more than 70 million.

Another strike against Android is that T-Mobile's high-speed wireless network isn't as extensive as AT&T's. "Consumers still choose the carrier first," says Ross Rubin, an analyst at consumer electronics research firm NPD Group. "For early adopters, they'd need to contend with T-Mobile's embryonic 3G network for at least a few months," Rubin says. What's more, G1 buyers will likely have to buy an additional calling plan to use G1's built-in Wi-Fi more extensively; iPhone users can freely use their device's Wi-Fi capability. T-Mobile will offer a limited data plan for $25 a month and unlimited Web access and messaging for $35 a month.

Some analysts who have seen versions of G1 also say it's not quite as stylish as the comparable Apple device. "It does not feel as luxurious as the iPhone," says Moe Tanabian, senior principal at IBB Consulting who has seen a late prototype of the device. The device is a cross between the iPhone and a Sidekick, an earlier T-Mobile phone that also boasts Web access and was a favorite of hip cell-phone users. Andy Rubin, who heads Google's Android effort, helped develop the Sidekick.

Wide-Open App Marketplace
Google and other Android supporters surely will try to prove the pessimists wrong. Google, for one, is expected to launch an extensive marketing campaign for the device. "Google is the defining Web 2.0 company for online search," Ambrosio says. T-Mobile is also throwing its marketing muscle behind the G1—though its budget is typically nowhere near as big as that of larger rivals. "It will be the biggest marketing campaign we ever launched for a mobile device," Cole Brodman, T-Mobile's chief information and innovation officer, said at the unveiling, attended by Google founders Sergey Brin and Larry Page.

G1 sales will also benefit from the flexibility of the Android Marketplace online app store. Unlike Apple's iTunes App Store (BusinessWeek.com, 9/5/08), Google's marketplace won't vet developers. Google will let anyone post applications to its store, where features will be rated in a YouTube-like manner. The openness of the Android software also can make it easier for developers to create associated tools more quickly.

The Android-based handset also boasts a slide-out full Qwerty keyboard, which the iPhone lacks. The device, which will feature a capable music player, that allows for easy music downloads from Amazon (AMZN), is also expected to come in three colors: black, white, and brown. And as expected it offers plenty of tight integration with a wide range of Google services, including search, mapping, and address book tools. "If T-Mobile launches a bugs-free, easy-to-use phone, then its brand equity will increase," says Tanabian, who has consulted for T-Mobile.

The Android Army Is Coming
Apple's iPhone isn't expected to be the main competitor for G1. The Android-based phone may erode sales of the Sidekick, phones that run Microsoft's (MSFT) Windows Mobile software, and smartphones made by Motorola (MOT) and Research In Motion (RIMM), maker of the BlackBerry. RIM "might lose some share by virtue of being the market leader" in the U.S., Rubin says. T-Mobile's parent, Deutsche Telekom (DT), will introduce the phone in the U.K. on Oct. 22 and elsewhere in Europe in the first quarter of 2009.

G1 stands to become a more formidable competitor as it's picked up by other manufacturers as well. Motorola, LG and Samsung are expected to launch Android models worldwide in 2009. And their Android-based phones may look vastly different from each other and the G1. Europeans may get a slider with a 12-key keyboard that they favor. Japan may get a phone with built-in mobile TV. There could be special phones for doctors or for lawyers.

Big cell-phone carriers also will help determine the success of coming Android phones. "Android has the potential to be much bigger than Apple because they can have many more manufacturers making its products," says Chris Ambrosio, an analyst with consultancy Strategy Analytics.

Kharif is a senior writer for BusinessWeek.com in Portland, Ore.

Your Internet Access Is Going To Get Suspended - Not True

Your internet access is going to get suspended - SPAM
Sophos has been intercepting many spam emails containing a malicious attachment overnight.

The emails all claim that “your internet access is going to get suspended”, as the receipient has committed “illegal activities” such as pirating software, movies or music.

This is the email:
Your internet access is going to get suspended

The Internet Service Provider Consorcium was made to protect the rights of software authors, artists.

We conduct regular wiretapping on our networks, to monitor criminal acts.

We are aware of your illegal activities on the internet wich were originating from

You can check the report of your activities in the past 6 month that we have attached. We strongly advise you to stop your activities regarding the illegal downloading of copyrighted material of your internet access will be suspended.

Sincerely
ICS Monitoring Team

The emails, which say they come from the “ICS Monitoring Team”, claim that a report of the user’s activities in the past six months is attached in a file called user-EA49943X-activities.zip.

However, if you open the contents of the user-EA49943X-activities.zip file you risk being infected by a malicious Trojan horse designed to communicate with remote hackers. Criminals can then break into your computer and use it for their own money-making purposes.

Sophos is identifying the malicious files seen being used in the campaign so far as Troj/Meredrop-A and Troj/Agent-HQK. Users of other anti-virus products would be wise to check their vendor to see if an update is available.

With so many people suffering from internet addiction (also known as ‘discomgoogolation’), it’s not hard to imagine how many people would react to receiving an email like this.

Not only would many people be prone to clicking before thinking at the accusation that they have been engaged in illegal activities, but also a disturbing proportion would be alarmed about the prospect of not being able to surf the internet.

Remember, THIS IS SPAM. Never open an attachment unless you know the sender

Phoenix AZ Area Million Dollar Home Sales

Phoenix AZ Area Million Dollar Home Sales

Scottsdale home sells for $5.7M

A Scottsdale land developer, a founder and CEO of an information technology group and two local Realtors, are among the buyers and sellers in this week's done deals.

$5,791,500.

Richard and Kimberly Cabral bought a new 10,645 square-foot home with five bedrooms, seven bathrooms plus two powder rooms, bonus room, kids retreat, game room, library with fireplace, office theatre, gourmet kitchen with two islands, six-car garage, plus detached casita has two bedrooms and living room with fireplace. This Calvis Wyant luxury home on four and a half acres is northeast of the Pinnacle Peak Country Club in Scottsdale.

$4,995,000.

Stuart and Mary Rhea purchased a new 8,400 square-foot home with six bedrooms and seven bathrooms. The master suite has an exercise room with bar and two flat screens. There is a library and office with fireplace and private patios; formal living room, dining room with wine room and butlers pantry; huge gourmet kitchen opening to oversized family room, three en-suite bedrooms, media room, game room; and a separate guest house out by a party gazebo and diving pool, A/C garages and Crestron Smart house. This luxury home at Mummy Mountain is on the southwest side of the Camelback Golf Club in Paradise Valley. Stuart Rhea is the founder and CEO of Tolt Service Group, a nationwide provider of outsourced technology field services. He has spent over 30 years in the information technology field.

$3,170,000.

Kent Bowerbank and Leslie Bowerbank, as Trustees of the Bowerbank Trust, paid cash for a 6,991 square-foot home with 650 square-foot pool originally built in 1999. Kent Bowerbank is a Realtor with Embassy Properties in Phoenix.

$3,125,000.

Michael L. White, as Trustee of the Statice Revocable Trust, purchased new home west of the Camelback Golf Club in the Morton Mesa Subdivision of Paradise Valley.

$3,100,000.

Robert D. MacMillan and Mary Hazel MacMillan, as Trustees of the Robert D. MacMillan Family Trust, paid cash for a 4,565 square-foot home with 704 square-foot pool originally built in 1977 on over two acres on the west side of the Camelback Golf Club in Paradise Valley.
Source: AZ Republic

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When I snuck a look at the 'Forex 4-Pack', I was certain I'd be asked to cough up 150 bucks or more for it. After all, it's not one of those flimsy 10-page "ebooks" many so-called "gurus" try to pass of as "value" these days...

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So that's why he decided to give it away. In his own words, "I want to de-mystify the Forex markets once and for all. So I sat down to produce this material as if I was under oath, being grilled by an attorney. That's how direct and forthcoming it is."

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Home Seller Adds Offer of Marriage . Selling A Home In Todays Market

Home Seller Adds Offer of Marriage
Associated Press
PALM BEACH GARDENS, Fla. - She has tried nightclubs and online dating sites, but now a 42-year-old single mother is looking for love where everyone else's heart is breaking: the real- estate market.

After a year of trying to sell her four-bedroom home and eight years of singledom, Deven Trabosh is offering her Florida home and a shot at marrying her on the Internet.

"Marry a Princess Lost in America," Trabosh wrote in the ads she posted on eBay and Craigslist last week. She describes a life of romance and travel and a home that features vaulted ceilings, upgraded tile and a soaking tub in a gated community with a pool and tennis courts.

"I'm struggling . . . I don't want to lose my house, and I want to find somebody," said Trabosh, who changed her name in the ad to Traboscia to keep people from finding her in the phone book. "So I came up with this dream plan because I've always dreamt about being a fairy-tale princess."

She listed the home for $340,000 on a sell-it-yourself Web site, but upped the price on eBay, adding a $500,000 shipping fee to include her companionship.

Trabosh says eBay removed her ad. eBay does not allow the sale of human beings, body parts or relationships, spokeswoman Catherine England said Friday.

Trabosh hasn't received any serious offers but says she's had nearly 500 responses, mostly positive.

She's gotten criticism, too. Her 21-year-old daughter, Haley, says she just wants her mom to find love, but her 14-year-old daughter says her mother is embarrassing her.

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American Idol Auditions in Glendale AZ July 25 Jobing Arena

American Idol Auditions Glendale AZ July 25 at Jobing Arena

A little more than a year after the Valley's Jordin Sparks took home the 2007 American Idol crown, the talent show will return to Sparks' hometown of Glendale when it holds auditions July 25 at Jobing.com Arena, 9400 W. Maryland Ave.

It will be the show's first time hosting auditions in Arizona.

Show producers report that they've seen great talent emerge from the Valley - including Valley native Brooke White, who cracked the show's top five this year - prompting their decision to hold auditions here.

Men and women 16 to 28 years old as of July 15 who can legally work in the U.S. are eligible to try out. Some restrictions apply. Auditions start July 17 in San Francisco and will continue on to six other cities. Auditioners typically must show up a day in advance to get a required wristband.
'American Idol' Audition Do's and Don'ts:

Ditch The Costumes, Dude-Sung Celine CoversUnless you're just looking for screen time, leave the face paint, original songs and sack of nail clippings at home.

C'mon people! After six seasons, we get that the first few weeks of "American Idol" auditions are supposed to be a parade of freaks mixed in with a few potential gems just to keep it interesting. We know it's too late for this season's group of musical circus geeks, but if the first two audition episodes are any indication, some of you are in dire need of a refresher course on the do's and don'ts of "Idol" tryouts before we even start thinking about season eight.

Do: Tell the producers a great backstory that might land you one of those "down on the farm" segments where we see you frolicking with your son/daughter/pets/tractor. The sadder, the better.

Don't: Have your backstory be tied to a bag of nail clippings, your "Star Wars" fetish, a stalker routine, an ability to make funny noises or a "wacky" original song about abstinence. Speaking of chastity, though never-been-kissed virgin Bruce Dickson and his lock-and-key necklace told a tale so bizarrely endearing the striking Writers Guild of America should investigate whether he had some help with it, we recommend a little less sharing next time.

Do: Try to stand out in front of the judges by wearing something interesting, (slightly) provocative, flattering or, failing that, bland enough that it doesn't distract them from your singing.

Don't: Shop at the costume shop, paint your face, wear a Cowell-esque top that exposes enough of your chest that Simon and Randy lose their focus, attach anything resembling tin foil to your body or have your shirt signed by your "supporters." And, for the love of God, if you can't see your feet, don't wear a Princess Leia costume, even if you are manscaped. Nobody needs to see that.

Do: Pick a song that fits your voice and doesn't make it seem like you're trying out for "Best Celebrity Impersonators." (Hey, if the strike goes on long enough, it might show up on your TiVo queue!)

Don't: And we can't stress this enough, don't sing a song by a woman if you're a dude. We don't care how great you think Celine or Kelly are, the minute you start that tune you will automatically lose Simon and come off looking like a gender-confused contestant on a Logo reality show, whether you're gay, straight or floating somewhere in the guyliner-assisted middle. There are plenty of great songs sung by men for male contestants to choose from — just ask William Hung. OK, maybe not.

Do: Stand out and be humble. Believe it or not, you can do this by just being yourself — especially, it seems, if you are a cute, bubbly blonde with a growly voice or a cute, bubbly black girl with just the right amount of sass.

Don't: Talk back to the judges and come off like someone who might be lurking behind a garbage can waiting for Simon to get into his limo later that night. Yes, you'll get screen time, but nobody will take you seriously for the rest of your life (especially if your heart is set on "actressing"), and you will undoubtedly be dragged out a few more times over the season in clip shows that will portray you as the lunatic that you are.

Do: Wow the judges with your awesome range and strong vocals.

Don't: Tell them people have said you sound like Whitney/Mariah/Celine/Kelly, because 10 times out of 10, they're wrong and you're wrong and Simon's just gonna rip you a new one. And one more thing: Even if your cute-as-a-button model husband says you sound like a superstar, don't make him say it again in front of the judges if it's clearly not true because, once again, Simon's going to make the drive home more awkward than a Paula Abdul QVC appearance.

Do: Be comfortable in your own skin, even if it means snapping your fingers, bopping your head or making a hand gesture or two. The easier it is for you to move around and look the three judges in the eyes, the easier it will be to do it in front of an audience that's larger than the populations of Chile and Cambodia combined.

Don't: Breakdance, practice shadowboxing, flap your wings, stare at the floor, wriggle like you're giving birth to a 15-pound bag of sand, or, as we learned last season, pretend to be a large, caged cat.

Do: Prepare more than one song, preferably in a different genre. Occasionally, the judges want to hear an extra ditty before they dole out a Golden Ticket. If you only rehearsed "Another One Bites the Dust" and Paula asks for some Sinatra, don't be shocked when you end up another one gone, another one gone ...

Don't: Sing an unrequested second song. If the Idol Trinity agrees that you stink, bursting into a new tune isn't going to change any minds. You're just prolonging the pain. Plus, "Idol" producers love having fun in the editing room, so even if you didn't cut off Simon's critique with a second song-and-dance routine, that's exactly how it will be portrayed by the time it hits airwaves, and you'll ultimately look insolent, desperate and/or unstable.

And, if you're going to ignore all these suggestions and just be your freak-flag-flying self — which, after all, is what really makes us all tune in this early anyway — take a page from the book of 44-year-old Renaldo "You Are My Brother" Lapuz. The strange little man in the silver-and-white cape chewed up 11 minutes with his space-case anthem of brotherhood, which slowly evolved from typical Hung-esque time killer to a strangely great piece of TV that allowed the judges to let their hair down and indulge in some of the same goofball antics they are used to rolling their eyes at.

Ready to find a home at a great price in the Phoenix Metro Area, Westgate or Glendale area. Speak To A Professional RE/MAX Phoenix Realtor NOW....Call : 623-979-8888. We can show you foreclosures, Short Sales, REO, as well as any and all homes for sale in the Maricopa area. Search the complete Phoenix AZ MLS for free at http://www.buyphoenixazhomes.com/

Is Your Phoenix New Home Really Green or Just Efficient

Is Your Phoenix New Home Really Green or Is It Efficient

Different shades of green

Over the past six months, large-scale home builders have incorporated claims of environmental friendliness into their marketing efforts like never before.

Some of those claims are even backed by real improvements in design, construction and materials.

Still, home designers and builders who were green before green was gold say the mass-market version of their philosophy often misses the point. Philip Beere bristles when asked about mainstream home builders' recent appropriation of the word green.

Beere recently remodeled a 1960s home in central Phoenix to obtain the U.S. Green Building Council's Leadership in Energy and Environmental Design Gold Certification, which is about as green as it gets.

"I think it's great that the big builders are getting on board to make a better home," said Beere, a green-leaning Scottsdale entrepreneur who formed Green Street Development in 2007 with proceeds from his successful cleaning business, Ecofresh Planet.

"However, it should be advertised for what it is, which is an efficient home, not a green home."

Sure, custom-home builders may be painting with a deeper shade of green, Shea Homes executives say, but their company has a much broader brush.

San Diego-based Shea Homes, one of the country's largest home builders, launched an initiative in January to reduce the overall carbon footprint - the carbon-based pollution caused by human activities - of each new home inside its Trilogy communities by 20 to 30 percent.

The homes also feature better ventilation, conserve more water and require less lumber to build, said Hal Looney, area president of Shea Homes Active Lifestyle Communities.

Though they do not meet all the Green Building Council's certification requirements, the overall reduction in environmental impact will be significant, he said.

"We're building a couple of thousand homes, so the impact will be a lot greater than four or five custom homes," Looney said.

Shea Homes estimates that over the next 10 years, the implementation of its Shea Green Certified Home program will save the equivalent of more than 8.5 million gallons of gasoline and have the same carbon-reducing effect as planting 1.9 million trees.

"It will be a better place for everybody," Looney said.

Arizona State University architect Daniel Glenn said he supports the efforts of mass-market home builders to reduce consumption of energy and natural resources, but being green is not that easy.

"It's really problematic to think about building green when you're talking about these large-scale bedroom communities," he said, "because large-scale bedroom communities are inherently not green."

Glenn, associate director of ASU's Stardust Center for Affordable Homes and the Family, said production home builders have developed a tendency to "green-wash" practices that actually contribute to the pollution problem.

The biggest problem has to do with where they are building homes: places like Trilogy at Vistancia, more than 30 miles from downtown Phoenix, in Peoria.

"The further out you go, the less green it is by definition," Glenn said, which is why the Green Building Council strongly encourages in-fill development and urban redevelopment.

"You can have the greenest home in the world, but if your commute is 20 to 30 miles, you're not living a green lifestyle."

But what if the homeowner drives a Toyota Prius, which gets up to 50 miles per gallon? Shea is including a new Prius with every Trilogy home, Looney said.

Again, Glenn applauded Shea for attempting to reduce the environmental impact of its remote location.

Still, he said commuting 30 miles each way in a Prius doesn't leave much time for community-building, another pillar of the green philosophy.

"Is people spending three hours a day in a car socially beneficial?" he said.

Valley real-estate analyst RL Brown said large home builders have avoided revolutionizing the industry to reduce the carbon footprint of their communities, because their customers have been far more concerned about price than environmental impact.

Beere plans to put his custom green-home project on the market next week at a list price of $882,680, enough money to buy two midrange Shea Green Certified homes.

But consumer attitudes about the value of conservation are changing, Brown said, due in part to rising energy costs and concerns about global climate change.

"I think we're going to see, finally, the coming of the green, with serious efforts and not just lip service," he said.

Looney said large builders such as Shea have the ability to make green homes affordable to the middle class by ordering enviro-friendly products in bulk and teaching contractors new techniques that conserve resources.

Glenn said frugal home buyers should consider paying a bit more for a home that will reduce their energy consumption, because no one knows what will happen to energy prices in the future.

"You can't get a 30-year, fixed-rate energy bill," he said.

Source: J. Craig Anderson - The Arizona Republic

Ready to find a home at a great price in the Phoenix Metro Area. Speak To A Professional RE/MAX Phoenix Realtor NOW....Call : 623-979-8888. We can show you foreclosures, Short Sales, REO, as well as any and all homes for sale in the Maricopa area. Search the complete Phoenix AZ MLS for free at http://www.buyphoenixazhomes.com/

Phoenix July 4th Events. Arizona 4th Of July Events

Phoenix July 4th Events. Arizona 4th Of July Events

Celebrate America: 6 p.m. June 29. Celebrate Independence Day with a patriotic concert featuring classic American rock music, and traditional patriotic songs. North Phoenix Baptist Church, 5757 N. Central Ave., Phoenix. Free. 602-707-5757. npbc.org.

Fourth of July Swing Dance Convention: 10 a.m. Thursday and Friday, 9 a.m. Saturday and Sunday, 6 p.m. Wednesday, July 2-6. Twelve swing-dancing workshops and 15 competitions. Featuring $16,000 in prize money and time for social dancing. Arizona Biltmore Resort & Spa, 2400 E. Missouri Ave., Phoenix. $219 weekend hotel and pass; $110 weekend pass; $109 hotel; $15 Gary Jobst Workshop; $10 all other workshops; free social dancing. 800-598-2538. www.usaswingnet.com/phoenix/index.htm.

Light up the Sky: 7-10 p.m. July 3. The event will have rides, games, arts, crafts and fireworks. Maryvale Baseball Park, 3600 N. 51st Ave., Phoenix. Free. 602-262-6575. Map it

Rev, White and Boom: 6-9:30 p.m. July 3. Tour the raceway, enjoy entertainment and watch fireworks. Food, beverages and activities will be available. Phoenix International Raceway, 7602 S. Avondale Blvd., Avondale. Free admission. 623-333-2400. www.avondale.org/events.

West Valley

Magnificent Mondays: 11 a.m.-12:30 p.m. June 30. Age 3 and older work on a Fourth of July project. Foothills Branch Library, 19055 N. 57th Ave., Glendale. Free. 623-930-3830. glendaleaz.com/library.

Independence Day: 6:30 p.m. July 3. Live music, food and activities. Fireworks set for 9:15 p.m. Bring a blanket. Estrella Lakeside Amphitheatre, 10300 S. Estrella Parkway, Goodyear. Free. 623-386-1000. http://www.ci.goodyear.az.us/.

Valley-wide

Fourth of July Jewelry Making: 10 a.m.-6 p.m. July 1. Use red, white and blue beads to make patriotic necklaces. Guadalupe Branch Library, 9241 S. Avenida del Yaqui, Guadalupe. Free. 602-652-3000. http://www.mcldaz.org/.

American Eagle Craft: 10 a.m.-6 p.m. July 2. Make crafts with toilet tissue. Guadalupe Branch Library, 9241 S. Avenida del Yaqui, Guadalupe. Free. 602-652-3000. http://www.mcldaz.org/.

Red, White and Blue Family Parade: 7:15 p.m. July 2. The parade features floats, scooters, bikes, kids and dogs. Paul Mason Sportsplex, 2525 N. Pinal Ave., Casa Grande. Free. 520-421-8677. www.cir.org/seasonal-fourth.html.

Annual Fireworks Celebration: 8:45 p.m. July 3. Watch the fireworks show overlooking the lake. Lake Pleasant Regional Park, 41835 N. Castle Hot Springs Road, Morristown. $5 per vehicle park entry fee; $2 per watercraft. 928-501-1710 or 602-372-7460. www.maricopa.gov/parks/EventsDetailPublishers.aspx?date=7/3/2008&eventID=6422.

Fourth of July Festivities: 6 p.m. Thursday, 7:30 a.m. Friday, July 3-4. Watch a youth talent show, followed by a street dance with the band Train Wreck Thursday. Friday activities include the Pets and People Parade at 7:30 a.m. and entertainment all day long. Fireworks start at dusk at the Paiz/Stone Complex. Veterans Memorial Park, 3105 E. Fry Blvd., Sierra Vista. Free. 520-266-2304. http://www.visitsierravista.com/.

Third of July Fireworks: 6 p.m. July 3. Live entertainment, outside barbecue, drink specials, and prizes. Reservations required, recommended time: 6-9 p.m. For all ages. Fireworks begin at 9 p.m. Harold's Cave Creek Corral, 6895 E. Cave Creek Road, Cave Creek. Free. 480-488-1906. http://www.haroldscorral.com/.

Fourth of July Barbecue: Thursday through Saturday, July 3-5. Barbecue meal to celebrate Independence Day. Reservations required. Call for times. JW Marriott Starr Pass Resort & Spa, 3800 W. Starr Pass Blvd., Tucson. $35; $15 children 10 and under. 520-792-3500. http://www.jwmarriottstarrpass.com/.

July 4-6

Phoenix

Freedom Wireless Fabulous Phoenix Fourth: 6-9:35 p.m. July 4. Kids rides, food court, scheduled events and fireworks at 9:15 p.m. Steele Indian School Park, 300 E. Indian School Road, Phoenix. Free. 602-534-3378. phoenix.gov.

Fourth of July: Friday and Saturday, July 4-5. Featuring poolside activities for kids, spa and golf for adults, and an evening poolside movie of Ratatouille on July 4 and National Treasure: Book of Secrets on July 5. JW Marriott Desert Ridge Resort and Spa, 5350 E. Marriott Drive, Phoenix. $169 per night; for guests only. 480-293-5000. desertridgeresort.com.

Scottsdale

Grand Ol' Fashioned Picnic: 5-7:30 p.m. July 4. Celebrate with old-fashioned games, patriotic arts and crafts, and watermelon, chili and pie-eating contests. Bring your homemade chili to be judged. Scottsdale Stadium, 7408 E. Osborn Road, Scottsdale. Free. 480-312-2771. www.scottsdaleaz.gov/events.asp.

July Fourth Celebration: 5-8 p.m. July 4. Tug-of-war, live music and crafts, watermelon eating contest and more. No fireworks. Eldorado Park, 2311 N. Miller Road, Scottsdale. Free. 480-312-2771.

Independance Day Bounce: 9-11 a.m. July 4. Flags, balloons and bouncing to celebrate the Fourth of July. BounceU, 8970 E. Bahia Drive, Suite 104, Scottsdale. $6.95 for first child; $5.95 for each sibling. 480-502-0210. http://www.bounceu.com/.

Freedom Parade: 8:30 a.m. July 4. Decorate your strollers, bicycles, skateboards, horses, pets, golf carts or wagons and participate in the parade, or go to watch. Mescal Park, 11015 N. 68th St., Scottsdale. Free. 480-991-7955 or 602-570-0303. www.scottsdaleaz.gov/Parks/neighborhood/mescal.asp.

East ValleyCBS5 July Fourth Tempe Town Lake Festival: 4-11 p.m. July 4. Seven hours of live music, inflatable village for all ages, and fireworks. Tempe Town Lake, Rio Salado Parkway and Mill Avenue, Tempe. $6; age 12 and younger are free. 480-350-8625. http://www.tempe4th.com/.

Hot Dog Theme Day: 1-3 p.m. July 4. Get a free hot dog to celebrate Independence Day. Kiwanis Park Wave Pool, 6111 S. All-America Way, Tempe. $6; $3 for age 2-12. 480-350-5740. www.tempe.gov/kiwanis.

Mesa's Fourth of July Celebration: 6 p.m. July 4. Entertainment and kiddie rides ending with fireworks at 9 p.m. Also offers food and drink for purchase. No bags, backpacks, coolers, fanny-packs or alcoholic beverages. Mesa Community College, 1833 W. Southern Ave., Mesa. $5 for parking and admission; $1 for admission if not parking on campus. 480-461-7000. http://www.mc.maricopa.edu/.

Independence Day Celebration and Fireworks Spectacular: 4 p.m. July 4. In addition to fireworks at 9:30 p.m., the event features live music, a kids carnival and a bike parade. Activities include a 35-foot waterslide, 24-foot rock-climbing wall, a dunk tank and water games. Tumbleweed Park, 2250 S. McQueen Road, Chandler. Free. 480-782-2735. http://www.chandleraz.gov/.

Fourth of July Celebration: 5:30 p.m. July 4. Features live music, a cowboy costume contest, a barbecue, decorated buggy rides, face painting and balloon sculpturing. Fireworks start at 9:30 p.m. Rawhide at Wild Horse Pass, 5700 W. North Loop Road, Chandler. $3-$65. 480-753-7676. www.rawhide.com.

Fourth of July Celebration and Anniversary Party: 11 a.m.-11 p.m. July 4. Families enjoy carnival games, prizes every 15 minutes, live music by the Weezul Brothers from 6-10 p.m. and hotdogs and hamburgers grilled outdoors. Benefits The Choir Boys of Arizona. Red, White & Brew, 4850 S. Gilbert Road, Chandler. Free. 480-305-6993. www.rwbaz.com. http://www.azchoirboys.org/.

Miss Chinese Environmental Contest: 4 p.m. July 4. Chinese community celebrates the fourth of July and a Miss Chinese Environmental contest with dinner. Contest begins at 5:30 p.m. Phoenix Preparatory Academy, 735 E. Fillmore St., Phoenix. $6 includes dinner. 602-321-1898.

West Valley

Fourth of July Celebration: 7 p.m. July 4. Celebration includes swimming, water slides, food, music, a patriotic program, a F-16 flyover by a Luke Fighter Squadron and fireworks. Free swimming at GCC pool begins at 1 p.m.; doors open for night events at 6 p.m.; fireworks at 8:40 p.m. Glendale Community College Community Pool, Glendale Community College 6000 W. Olive Ave., Glendale. Free. 623-930-2299. www.glendaleaz.com/events.

All-American Festival: 5-10 p.m. July 4. Kids zone, concessions, two stages of live music, fireworks and water activities. Fireworks begin at 9:15 p.m. No alcohol or glass containers are permitted. Peoria Sports Complex, 16101 N. 83rd Ave., Peoria. $5 for ages 13 and older. 623-773-7198. http://www.peoriaaz.com/specialevents/.

Road Racers 3: 6:30 a.m. July 4. 5K run and walk. Registration required. Rio Vista Community Park, 8866 W. Thunderbird Road, Peoria. $12. 602-954-8341. http://www.arizonaroadracers.com/.

Surprise's Fourth of July Celebration: 6-8:30 p.m. July 4. Enjoy live music, water zone and food. Surprise Recreation Campus, 15850 N. Bullard Ave., Surprise. $5 for children; $10 for adults. 623-266-4500. http://www.surpriseaz.com/.

Fourth of July Celebration: 10 a.m.-10 p.m. July 4. Splash Bash, food, music, F-16 flyover and fireworks. Litchfield Park, 214 W. Wigwam Blvd., Litchfield Park. Small fee for the Splash Bash. 623-935-5033. az-litchfieldpark.civicplus.com/index.asp?NID=106.

Star Spangled Arts and Crafts Booth: 6:30-8 p.m. July 4. Ages 2-12 celebrate the holiday making bug-themed arts and crafts. Goodyear Branch Library, Goodyear City Hall 190 N. Litchfield Road, Goodyear. Free. 602-652-3000. http://www.mcldaz.org/.

Star-Spangled Fourth: 6:30-10 p.m. July 4. Live music from Billy's Gone and Shallow Water. Food, beer garden, kids zone, and water rides. Fireworks at 9:35 p.m. Goodyear Community Park, 3151 N. Litchfield Road, Goodyear. $10 all you can ride kids' wristbands. Event is free. 623-882-7534. http://www.goodyearaz.gov/.

Valley-wide

Fourth of July Buffet: 6:30 a.m.-2 p.m. Friday through Sunday, July 4-6. Brunch features champagne mimosas, eggs Benedict, a waffle station, posole bar and chilequilles. Signature Grill, JW Marriott Starr Pass Resort & Spa 3800 W. Starr Pass Blvd., Tucson. $22; $11 for children. 520-792-3500.

Freedompalooza: 6 p.m. July 4. Event includes two stages with 10 bands, and a barbecue. Club Congress, Hotel Congress 311 E. Congress St., Tucson. $5. 520-622-8848. www.hotelcongress.com/club.

Sidewalk Egg-Fry Competition: noon July 4. Fry two eggs on a piece of aluminum foil on the sidewalk. Various prizes given. The event begins with the Ghostrider Gunfighters and takes place on Route 66. Oatman Chamber of Commerce, P.O. Box 423, Oatman. Free. www.oatmangoldroad.com/events.htm.

Old-Fashioned Fourth: 10 a.m.-noon July 4. Children enjoy games such as cake-walks, sack races, hula hoops, and rubber-duck ring toss. Tubac Presidio State Historic Park, 1 Burruel St., Tubac. Free. 520-398-2704. http://www.tubacaz.com/.

Fourth of July: 4 p.m. July 4. Bring a blanket or chair for a fireworks display. Food and beverage available. Tubac Golf Resort & Spa, 1 Otero Road, Tubac. $65 for VIP ticket, which includes special meal, seating and parking; $5 for parking. 520-398-3522 or 520-398-2704. http://www.tubacaz.com/

July Fourth Celebration: 9 a.m.-9:15 p.m. July 4. Parade starts at Fifth Street to Gila to Seventh Street, which is followed by a water fight at Lions Park. Entertainment and music continues all day with fireworks at 8:45 p.m. Benson, Benson. Free. 520-586-4293. http://www.bensonvisitorcenter.com/.

Fourth of July: 9 a.m. July 4. Coaster races down Tombstone Canyon begins the event. Between heats, the Bisbee Iron- Man Mile footrace starts at the Iron Man statue. A parade at 11 a.m. is in the Warren section. The contest of the traditional mining activities of mucking begins at 2 p.m. and hard-rock drilling at 4 p.m. at Brewery Gulch. Fireworks are at dark at Vista Park in Warren. Bisbee, Bisbee. Free. 520-432-6016. http://www.discoverbisbee.com/.

Fourth of July Softball Tournament: 9 a.m. July 4. Enjoy food and street entertainment after the tournament. Watch fireworks at dusk. Medigovich Field, Mountain View Road north of Arizona 80, Tombstone. Free. 520-457-3994.

Fire Over the Water: 4 p.m. July 4. Information, exhibits, kids activities, souvenirs, and raffle. Rubber duck race begins at 6 p.m. and fireworks at 8:30 p.m. Lyman Lake State Park, 11 miles south of St. Johns on U.S. 191, St. Johns. Free. 928-337-4441. http://www.pr.state.az.us/.

July Fourth Celebration: 10 a.m.-1 p.m. July 4. Clarkdale celebrates its Fourth of July with a parade at 10 a.m., a barbecue at the Verde Valley Railroad station at 11 a.m., and music by a Dixieland band at 12:30 p.m. Clarkdale, $7 for barbecue. 800-320-0718.

Firecracker Express: 1-5 p.m. July 4. Enjoy a patriotic train ride through the Verde Canyon. Verde Canyon Railroad, 300 N. Broadway Road, Clarkdale. $34.95-$79.95. 800-320-0718. http://www.verdecanyonrr.com/.

Rockets Over the River: 9 p.m. July 4. Fireworks over the Colorado River. Best viewing is along the river, south of the Laughlin Bridge. Bullhead City, Free. 702-298-2214. www.bullheadchamber.com/calendar.htm.

Fourth of July Family Day: 10 a.m.-2 p.m. July 4. Activities and games during open swim for all ages. Palm Island Family Aquatics Park, Carr-McNatt Park 1115 N. Brown Ave., Casa Grande. $1; 50 cents for age 17 and younger. 520-421-8650.

Fourth of July Family Day: 5 p.m. July 4. Old-fashioned celebration with food, games and live entertainment. Fireworks at 8 p.m. Paul Mason Sportsplex, 2525 N. Pinal Ave., Casa Grande. Free. 520-421-8677. www.cir.org/seasonal-fourth.html.

Prescott Rodeo Days Fine Arts and Crafts Show: 9 a.m.-5 p.m. Friday through Sunday, July 4-6. Showcases more than 150 artists. On the lawn outside of the courthouse. Courthouse Square, Montezuma and Gurley streets, Prescott. Free. 928-443-5200. http://www.prescottdowntown.com/.

July Fourth at the Fort: 2 p.m. July 4. Event features kids zone, food-eating contests, limbo, and entertainment. Event for all ages, however contest participants must be age 21 and older. Fireworks at 9:45 p.m. Fort McDowell Casino, 10424 N. Fort McDowell Road, Fort McDowell Reservation. Free. 800-THE-FORT or 480-837-1424. http://www.fortmcdowellcasino.com/.

Red, White and Boom: 5-10 p.m. July 4. Fun booths, vendors, food, beer garden, music and fireworks. Old Home Manor Fields, 2100 Old Home Manor Drive, Chino Valley. Free. 928-636-9780. http://www.cv4th.com/.

Freedom Fest: 10 a.m. July 4. Start the day in the pool for open swim and water games before forming teams for the Mud Volleyball tournament. Also participate in the horseshoe tournament, and country-singing contest. A parade will begin at 6:45 p.m. Fireworks start at 8:30 p.m. Heritage Park, 600 N. Main St., Florence. $30 per volleyball team; $10 per horseshoe team; other events free. 520-868-7589. http://www.town.florence.az.us/.

Star-Spangled Spectacular: 6-11 p.m. July 4. Inflatable games, face painting, food, arts and crafts booth, and watermelon-eating contests. Fireworks start at 9 p.m. Ora Mae Harn Park, 13250 N. Lon Adams Road, Marana. Free. 520-382-1950. http://www.marana.com/.

Patagonia's Fourth of July: 11 a.m. July 4. Begin the day with a parade and hanging of Grand Marshall at the Town Gazebo. Also enjoy music, food and vendors in the park. Fireworks start at 8 p.m. at Patagonia High School. Omitted, Free. 888-794-0060. http://www.patagoniaaz.com/.

Independence Day Celebration: 6 p.m. July 4. Includes hot dogs, watermelon, a waterslide and music. Fireworks start with an F-16 flyover at 7:30 p.m. Tolleson Veterans Park, 8601 W. Van Buren Ave., Tolleson. Free. 623-936-7111. http://www.tollesonaz.org/.

Clint Black: 7:30 p.m. July 4. The country singer performs with Amy Scruggs. Held at the Stargazer Pavilion. Doors open at 6 p.m. Cliff Castle Casino, 555 W. Middle Verde Road, Yavapai-Apache Reservation. $35. 928-567-7999. http://www.cliffcastlecasino.net/.

Fourth of July: noon July 4. Dive for soda, candy and money in the pool. Activities include arts and crafts, bouncers, games and a DJ. Food available. Fireworks begin between 9-9:30 p.m. Kenilworth Sports Complex, 671 E. Coolidge Ave., Coolidge. Free. 520-723-4551. http://www.coolidgeaz.com/.

Fourth of July Weekend Side Trip: 10 a.m.-5 p.m. Friday through Sunday, July 4-6. Experience a barbecue with dishes from various nations, including Korea, Spain and Thailand. Served from 11 a.m.-4 p.m. San Dominique Winery, Interstate 17 and Arizona 169, Camp Verde. $6.75; $4.75 for children. 602-549-9787.

Old-Fashioned Fourth: noon-9 p.m. July 4. Food, dunk tank, bouncy house, rock climbing wall and live bands. Fireworks start at dark over Green Valley Lake. Green Valley Park, 600 N. Green Valley Parkway, Payson. Food ranges in price from $1-$5. 928-474-5242, ext. 7. http://www.paysonrimcountry.com/.

July Fourth Block Party: 4 p.m. July 4. Art and antique walk, classic car displays, magician at Deming History Park, food, watermelon eating and seed-spitting contest and carnival games at Presbyterian Church and live bands. Main Street, between Meadow and South Mclane, Payson. Free. http://www.paysonrimcountry.com/.

Celebrate Freedom: 10 a.m.-midnight July 5. Family activities during the day followed by musical performances and fireworks in the evening. Marks the kick-off of the two-month Miller Lite/Harley Davidson anniversary giveaway. Old Tucson Studios, 201 S. Kinney Road, Tucson. $16.95; $10.95 for age 4-11. 520-883-0100. http://www.oldtucson.com/.

All-American Independence Day Festival: 10 a.m.-6 p.m. July 5. Activities include a go-cart rally, an obstacle course, a duck race, a silent auction, a barbecue, face painting and contests. Benefits Firewise East Verde Park. East Verde Park, Arizona 87 and East Verde Turnoff, Payson. Free admission; prices vary for events. 928-474-3883.