Sentences with phrase «into the housing market by»
FHLMC promotes the flow of funds into the housing markets by purchasing conventional mortgages in the secondary market and selling securities backed by those mortgages in the capital market.
https://www.foundationmortgage.com/
Policymakers could make it easier for millennials to get into the housing market by lending a helping hand.
Not exact matches
Housing prices surged ever higher as greater credit availability increased the demand for homes by bringing a greater number of buyers into the market.
Brokered by the Corcoran Group's Tim Davis and Peter Huffine, the Camuto house went into contract in August for $ 27 million over the initial ask of $ 48 million, and after only six weeks on the market.
«The housing market is closing the year on a stronger note than earlier this summer, backed by solid job creation and an economy that has kicked into a higher gear,» said Lawrence Yun, chief economist for the NAR.
This is where I start doubting the advice about the stock market tending to generally rise, because we all thought that about housing, and I feel like we got burned again by buying into the conventional wisdom.
To get some insight into the matter, we turned to one of the most well - informed mortgage rate forecasts available anywhere, the «U.S. Economic and Housing Market Outlook» provided by Freddie Mac.
Well it is true that some people seek sorcerers to implement Jinn that are satanic demons into mankind or his house or his business to finish him or make his life miserable or to stop flow of his business income... In such case it is either you are religious enough and say your prayers often then it becomes hard for this to harm you or otherwise you need to find some one who practice exorcism to remove this evil... But many are just pretending to be good at it and help you not but squeeze money out of you with tales and stories... There is another type of possessions and that is not through a sorcerer but directly by coincidence what man is at his weakest moments and those weakest moments for a possessions are when you come through a great fear or when cry or laugh loudly in hysteria, or during a certain moment of mating... or even when sneezing loudly... That's why there are prayers to be said on daily basis to guard you from such things and specially if passing haunted places such as deserted houses but most evil ones are residents of public toilets and market places... Some of them even would claim that you have made a wrong action by which you have killed a dear one to them and for that they have possessed you and that is mostly night time such as throwing a cigaret butt to a dark place or stepping killing an insect or even an animal at night which could have been one of them or possessed by one of them... So this is true thing happening to many who suffer unexplainable illnesses or sufferings which could look like mental illness that comes and goes as pleased...
The debt ceiling fight didn't lower the consumer confidence, the rising inflationary pressures food and gas, the european debt crisis, the housing market crashing into a depression and the fact the job market is horrible (not being helped here by dodd / frank or obamacare) is whats driving the confidence down.
Comprehensive supportive services provided by Lantern at Prospero Hall are delivered by a team of Social Workers and Program Specialists dedicated to helping clients improve their physical and mental health, reinstate themselves into the community and job market, and advance towards their individualized goals while also achieving housing stability.
While the malleable allegory of the film's events — a woman and her writer husband live in an Edenic country house that spirals into infernal chaos — has fueled both love - or - hate reactions and directorial marketing, I was riveted by the heedless spectacle and totally enveloping film technique, all anchored in Jennifer Lawrence's sometimes baffling commitment to a character driven to distraction by her husband (Javier Bardem), his mystery guests (deliciously entitled Michelle Pfeiffer, Ed Harris), and much, much more.
It's a heart - breaking, authentic insight into the devastation caused by the 2008 housing market crash.
The statement continued by explaining that the creation of Penguin Random House would offer them more financial opportunity to invest in other projects, specifically mentioning «new digital publishing models» and looking into emerging markets for publishing.
Turn your passion into a thriving Business you can run from Home - or - from anywhere in the World if you love Traveling!Whether you are looking to turn your passions and talents into a business, replace a job you hate or travel indefinitely, supported by a location independent business, this book will provide you with an abundance of ideas on how to do just that!Both online and local / offline options are covered as well as the use of platforms like: * Youtube * Podcasting * Kindle Publishing * Course Creation * eCommerce * Blogto broaden your reach and create additional income streams in your niche of choice.Looking to turn your house or car into an income stream?You will find many ideas here, some you probably never considered... PLEASE NOTE: this short little book does NOT provide detailed business plans or blueprints although a few general tactics are shared to get you started and relevant training resources are linked.The book does provide: * a list of 597 Ideas - a number of good training resources to help you with the next steps - an extensive list of platforms for both eCommerce and Freelancing business options - basic tips for niche selection, branding and further resources for marketing.If you want to find out how to start a small business from home, this book will give you many ideas on how you can turn your passions and talents into a profitable business.The 597 Business Ideas are grouped into the following skill groups to make the search easier: * Administrative * Arts & Crafts * Beauty * Car Skills & Use your Car * Computers * Consulting & Coaching * Cooking & Baking * Design * Electronics * Fashion * Finance * Fitness & Weight Loss * Foreign Language * Gardening * Handyman * Your Home * Humor / Comedy * Kids * Marketing * Movies * Music & Audio * Organizing * People Skills * Pets * Photo & Video * Reading * Dating & Relationships * Sports * Teaching * Travel * Web Skills * Writing * Misc.Ready to start a home based business, doing something you love?Then scroll up and hit the BUY Button - see you there...; --RRB-
The publishing house assumes the costs of editing, design, manufacturing, ebook conversion, distribution, marketing, publicity, and special sales (into retail outlets not served by the publisher's book distributors).
During the legal fight, TREB has continued to argue that by allowing the public unrestricted access to housing market data, they would violate the privacy of clients — sellers who list their home for sale and buyers who enter into a contractual agreement to purchase a property.
To get some insight into the matter, we turned to one of the most well - informed mortgage rate forecasts available anywhere, the «U.S. Economic and Housing Market Outlook» provided by Freddie Mac.
You'll soon get into the swing of it all especially on Calle Ocho (Southwest Eighth Street) on the main drag when all your senses become alert to the myriad Cuban experiences; the stucco houses, the street art, the sounds Samba music that escape from music stores and restaurants, rum is easy to come by, fruit markets energise the air with citrus aromas and food around these parts is pretty rustic and includes a repertoire of chicken, rice and platanos — fried sweet bananas.
Scenic Highlights: Explore Bangkok's busy markets, stop by Penang's Chinese shop houses, glimpse beautiful green vistas in the Cameron Highlands, dive into multicultural Kuala Lumpur, visit three diverse countries in two weeks
Miramar Beach in Montecito by local artist Chris Potter Demand for U.S. real estate remains strong this holiday season and appears poised to carry over into 2017, with California and Bay Area cities again ruling the list of the nation's most sought - after housing markets.
2010 3 minute wonder series, Broadcast commission, Channel 4 (27,28,29,30 Sept; 18, 19, 20, 21 Oct) 06.2010 Persistence of Vision, FACT, Liverpool, UK 05.2010 Steps into the arcane, Kunstmuseum Thurgau, Switzerland 05.2010 It has to be this way ², National Gallery of Denmark, Copenhagen [commissioned solo show] 03.2010 Hands on, (curated by John Hilliard) Galerie Raum Mit Licht, Vienna, Austria 02.2010 Depatterrn, Galleri Erik Steen, Oslo, Norway 10.2009 Performance, Film Weekend: The Jarman Award at KunstHalle, Zurich, Switzerland 09.2009 Performance, Whitechapel Gallery, London, UK06.2009 Mostravideo, Itau Cultural Institute, Sao Paulo, Brazil 02.2009 Altermodern, Fourth Tate Triennial, Tate Britain, UK 01.2009 It has to be this way, Matt's Gallery, London [commissiond solo show] 12.2008 Performance, Event Horizon, Royal Academy of Art [commissioned solo show] 06.2008 Performance, Happy Hand, British Film Institute, London, UK 10.2007 Cinemart, The Auditorium, Rome, Italy 09.2007 Foreign Bodies, White Box, New York, USA 07.2007 Swallowing Black Maria, Smart Project Space, Amsterdam [commissioned solo show] 02.2007 The Believers, Touring show to five cities in Norway, with performances in Stavanger, Forde and Bergen 09.2006 The truth was always there, The Collection, Lincoln [commissioned solo show] 07.2006 UBS Opening, Tate Modern (with Laurie Simmons, Guerilla Girls etc), UK 05.2006 Performance, Human Camera, Mali Salon, Rijeka, Croatia (solo show) 05.2006 I can't tell you, Grundy Gallery, Blackpool [commissioned solo show] 04.2006 Metropolis Rise, CQL Design Centre, Shanghai; DIAF 2006 @ 798 Space, Beijing, China 04.2006 Performance, Inside, Great Eastern Hotel, Masonic Temple, London, UK 03.2006 Performance, Don't Look Through Me, Y Theatre, Leicester, UK 03.2006 Don't look through me, City Gallery Leicester [commissioned solo show] 03.2006 Performance, Screening at Witte de With / Tent, Rotterdam, Holland 03.2006 John Skies or Sally Swims, UKS Gallery, Oslo, Norway 02.2006 Wandering Rocks, Gimpel Fils Gallery, London 11.2005 Image in Me, Market Gallery, Glasgow (solo show) 10.2005 Eyes of Others, Gallery of Photography, Dublin [commissioned solo show] 10.2005 Wunderkammer, The Collection (curated by Edward Allington), Lincoln, UK 09.2005 I saw the light, Gasworks Gallery, London [commissioned solo show] 09.2004 Adam, Smart Projects, Amsterdam, Holland 11.2004 Mind the Gap, La Friche, Triangle, Marseille, France 08.2004 Shattered Love, Keith Talent Gallery, London 04.2004 Eating at Another's Table, Metropole Galleries, Folkestone (performance / exhibition) 04.2004 Tonight, Studio Voltaire, London (curated by Paul O'Neill) 03.2004 Performance, A Variety Night of Ventriloquism, FACT, Liverpool (with Ken Campbell, Aura Satz, Andrew Hubbard) 03.2004 Mesmer, Temporarycontemporary, London 02.2004 Haunted Media, Site Gallery, Sheffield (with Susan Hiller, Susan Collins, Scanner, Thompson / Craighead, S Mark Gubb) 09.2003 The Physical World, APT, London, (with Ian Dawson, Katie Pratt) 09.2003 Sphere, Presentation House Gallery, Vancouver, Canada (with Paul McCarthy, Bruce Nauman, Laurie Simmons and Allan McCollum) 09.2003 You said that without moving your lips, Limerick City Gallery, Ireland (solo show) 08.2003 Calidoscopio, Museo del Barro, Asuncion, Paraguay (solo show) 04.2003 A Taste for Sham, Studio 1.1, London (with Jo Bruton, Kirsten Glass) 01.2003 The Lost Collection of an Invisible Man, The Laing Art Gallery, Newcastle (curated by Brian Griffiths) 09.2002 History Revision, Plymouth Arts Centre (including Terry Atkinson) 06.2002 Nausea: encounters with ugliness, London Print Studio 04.2002 Dramatic Events, Kent Institute of Art and Design 03.2002 Photoscoptocus, Camden Lock / Henley - on - Thames (Public commission) 03.2002 Nausea, Djangoly Art Centre (with Dave Burrows, Beagles and Ramsay, Margarita Gluzberg, Mark Hutchinson) 08.2001 Trinity College, Zwemmer Gallery, London 05.2001 Black Bag, Old Operating Theatre Museum (+ monograph BBC programme, «Lindsay Seers, Artist's Eye», Rory Logsdail) 03.2001 For the dead travel fast, Worcester City Museum and Art Gallery [commissioned solo show] 02.2001 Molotov, Dilston Grove Gallery, London (with Kirsten Glass, Diann Bauer, Annie Whiles, Helen Paterson, Lisa Fielding Smith) 09.2000 Tow, Camden Lock, Millennium Commission Project (with Tim Head, Diana Edmunds, Janice Howard, Zoe Brown) 10.2000 Assembly, Stepney City, London 07.2000 A Shot In The Head, Lisson Gallery, London 07.2000 Unfound, Chisenhale Gallery, London 06.2000 City Projects, Artomatic, London (with Jemima Brown, Marcel Price) 05.2000 The Double, The Lowry Centre, Salford (with Thomas Ruff, James Reilly and Alice Maher) 05.2000 On the rock, APT Gallery, London (with Annie Whiles, Diann Bauer, Kirsten Glass, Helen Paterson) 09.1999 Nerve, ICA, London (with Jeremy Deller, Martin Creed, Dave Beech, John Isaacs, John Beagles, Dave Burrows, Clive Sall) 07.1999 Quotidian, Paper Bag Factory (curated by Julia Lancaster) 06.1999 Autocannibal, Laure Genillard Gallery, London (solo show) 04.1999 Cabin Fever, Gallery Herold Bremen, Germany, (with Caroline Macarthy and Mairead Maclean) 10.1998 Multiples, Temple Bar Gallery, Dublin 09.1998 Cannibal, Old Museum Art Centre, Belfast (solo show) 08.1997 Knock, Knock, Artists Work Programme, Irish Museum of Modern Art, Dublin 11.1996 Stick Your Hands Up, Acorn Storage, Hammersmith, London 10.1996 Ghost, ACAVA Open Studios, Denmark St, London 09.1996 Ad Hoc, London Artforms.
Beginning in 1994, a local NGO called Bio-tech pioneered the development of their «integrated waste recycling plant,» where large amounts of organic waste generated by the markets, slaughter houses, and restaurant kitchens are treated and converted into methane (cooking gas) and fertilizer.
The point is my wife and I won the Metro Vancouver Lottery by getting into the real estate market in 1991 with our first tiny house, way before the market went crazy.
This post was written by Rob Thomas, vice president, Market Development Group, Corporate Legal segment at Thomson Reuters The recent Legal Week Corporate Counsel Forum in Surrey provided a look into the latest developments in the in - house profession, from the evolving role of the general counsel, to pressures on law departments to operate more efficiently,...
How do I handle requests for such references?Thank you so much for your help!CherylCHERYL M. EARLE3407 Old Dobbin Road, Montgomery, Alabama 36116 - 1903Home Phone: 334-215-3706 Cell Phone: 334-233-2631 Fax: 334-273-0477 E-mail: [email protected] position managing legal discovery and document review with opportunity to assist attorneys with civil litigationBAR ADMISSIONAlabama State Bar, 1999LAW - RELATED EXPERIENCELaw Firm, AlabamaResearch Attorney for Special Projects, Mass Torts Department, November 2001 — February 2008 • Managed Multi-District Litigation (MDL) Document Depository (September 2002 to February 2008) o Reviewed more than 1 million pages of evidentiary documents for litigation purposes and for inclusion in electronic databaseso Coordinated document review assignments with attorneys at local depository and at other sites across the USo Retrieved, reviewed and coded documents in Concordance and Summation legal databaseso Prepared memoranda and spreadsheets providing detailed analysis of discovery materials • Aided attorneys and support staff with processing and preparation of personal injury claims and litigationo Conducted legal research and drafted pleadingso Conducted supplementary online research for additional documents and information pertinent to litigationo Assisted with preparation of correspondence to clients and referring attorneyso Contacted clients for additional information needed in case preparation, litigation, and potential settlementso Prepared and input case intakes and referrals into databaseLaw School, AlabamaStudent Intern, Alabama Disabilities Advocacy Program (ADAP), August 1996 — June 1997 • Participated in law school clinical program under third - year law student practice rule (as authorized by Alabama Supreme Court) o Assisted attorneys and advocates in cases involving mentally ill patients confined to state mental health facilitieso Interviewed clients in person (at state facilities) and over the phoneo Worked with clients, attorneys, and social workers to investigate and resolve issues concerning involuntary confinement and treatmento Aided in legal research on an appellate brief submitted to the U. S. Court of Appeals for the Eleventh Circuit (ruling granted in favor of our client) Faculty Research Assistant for Library Services, Bounds Law Library, March 1996 — June 1997 • Prepared research and teaching materials for law school faculty; worked 20 hours per week while matriculating 10 - 15 hours per semester) o Investigated copyright issues related to procuring and reproducing texts for academic useo Conducted legal research using WESTLAW, LEXIS and the InternetADDITIONAL RELEVANT EXPERIENCEManufacturing Company (MC), Montgomery, AlabamaAdministrative Assistant and Cost Analyst, Materials Purchasing Department, April 1999 — September 2001 • Assisted materials buyers in negotiating and preparing commodities contracts between raw materials suppliers and MC for manufacturing plants in the US and Mexicoo Assisted Legal Department at MC's corporate headquarters with coordination and preparation of documents for litigationo Notified and educated suppliers about MC's freight - on - board policy and its corresponding Uniform Commercial Code (UCC) provisions; result was the reduction of freight claims for both the company and its supplierso Prepared contracts and purchase orders for raw materials and capital projects involving plant maintenanceo Solicited price quotations from current vendors and established Excel spreadsheet format which simplified quote submission process and allowed MC to track and compare usage volumes and costs over timeo Prepared and analyzed cost reports used by materials buyers and production planners in purchasing decisions, including cost reductions, materials consolidation, and selection of vendorso Acted as liaison between vendors and the Purchasing, Transportation and Accounting Departments on issues concerning inbound freight, commercial carriers, and payment terms for commodities, resulting in reductions in freight costs and greater payment discounts for raw materialso Established online databases and printed directories for the Purchasing Department, allowing buyers to have easier and faster access to current vendor informationo Completed Year 2000 (Y2K) compliance project, which involved data collection and communication with MC's past, present, and potential materials suppliers and service providersNot - For - Profit Organization, AlabamaAdministrative Assistant, Combined Federal Campaign, September 1998 — January 1999 • Aided Campaign Director with 1998 Federal Campaigns (CFCs) in City 1 and City 2, which together generated nearly $ 700,000 for more than 1,000 local, national and international charitieso Prepared weekly reports on donations using WordPerfect, Microsoft Word, Excel and dBase IVo Wrote script for Talent Showcase at City 1's 1998 CFC Kickoffo Assisted Director with merger of the City 1 and City 2 CFCs in 1999Regional Bank, AlabamaAdministrative Assistant, Year 2000 (Y2K) Department, March — June 1998 • Worked with Vice President of Corporate Projects on short - term project for the bank's Y2K Departmento Analyzed and processed data on Y2K readiness for all branches of Bank throughout the southeastern USo Organized meetings for personnel of Banko Communicated with vendors of computer hardware, software, and office equipment to request information on Y2K complianceo Prepared compliance files for Federal Reserve auditso Prepared in - house memoranda and reports using Microsoft Word and ExcelRecord / Music Promotion Company, AlabamaRecord Pool Co-Founder; Office Manager, September 1990 — December 1991 • Co-founded record pool to enhance promotion of music in Alabama and the southeastern USo Procured and distributed records from major and independent labels for club, radio and mobile disc jockeyso Coordinated jointly sponsored promotional events with record companies, radio stations and clubso Designed, wrote, and published bi-weekly reports and brochures to inform the music industry of the progress and popularity of music and performers in the region, with specific focus on the Alabama music sceneMajor University, AlabamaGraduate Research Assistant, AUM Department of Marketing, June 1989 — August 1990 • Worked 13 - 20 hours per week as a research assistant to Marketing faculty while carrying a full course load in the MBA programo Analyzed consumer surveys used in academic researcho Assisted Conference Chairperson with coordination for Atlantic Marketing Association (AMA) annual meeting (October 1989) o Co-authored five - year index and classification of AMA Proceedings (published Fall 1991) EDUCATIONLaw School, AlabamaJuris Doctor (JD), 1997 • Scholarshipso Seybourn H. Lynne Scholarship, 1996 - 97o Dexter C. Hobbs Memorial Scholarship, 1995 - 96o E. W. Godbey Memorial Scholarship, 1994 - 95 • Honorso Who's Who Among American Law School Students, 1996 - 94o Arthur Davis Shores Award, 1997 • Activitieso Frederick Douglass Moot Court Team Manager, 1996 - 97 Southern Regional Competition, Second Place National Competition, Eighth Placeo John A. Campbell Moot Court Competition, Spring 1996o Black Law Students Association Delegate, BLSA National Convention, 1997 Co-Chairperson, Public Relations Committee, 1996 - 97 Chairperson, Public Relations Committee, 1995 - 96 BLSA President's Award, 1996 and 1997o American Bar Association, 1996 - 97 Entertainment and Sports Industries Forum Intellectual Property Section Law Student Divisiono LAWS Student Group Leader, 1995 - 96Major University, AlabamaMaster of Business Administration (MBA), 1990Bachelor of Science in Business Administration (B.S.B.A.), 1988 (Major: Marketing — Advertising and Promotion Track) • Honorso Dean's List • Activitieso National Student Advertising Competition Team, 1988 - 90 Seventh District Competition: Third Place, 1990o Marketing Club, 1987 - 90 Vice President — Career Development, 1988 - 89o Public Relations / Advertising (PR / AD) Club, 1988 - 90 Charter Member, 1988 Active in fund - raising and membership driveso Theater Guild, 1988 - 90 Screening Committee, 1989REFERENCESAvailable upon request
(TNS)-- The Federal Housing Administration plans to lower its annual mortgage insurance fees by 0.5 of a percentage point — a move that it says will allow more buyers to jump into the real estate market.
But by simply returning to underwriting standards that are close to what has been historically normal, ¬ lenders can do what the federal government is digging itself deeper into debt trying to do: spur the economy by getting responsible households back into the housing market.
Price swings are always more volatile in the upper - end housing market, so a 30 percent stock market decline that translates into a 15 percent to 20 percent drop in the prices of expensive homes would probably push lower - end homes down by 5 percent, Pavlov says.
The silver lining: Even in markets hardest hit by the affordability crunch, practitioners are finding ways to help squeezed buyers get into housing — and their success is making a difference in their practice.
The demand for houses will continue to be driven by what should be an endless supply of new buyers coming into the market, not annually, not even monthly but daily.
Even in markets hardest hit by the affordability crunch, practitioners are finding ways to help squeezed buyers get into housing — and their success is making a difference in their practice.
By taking the same approach that was used to stimulate housing demand after Hurricane Katrina, the government can inject new life into the current market.
Flush with cash and buoyed by the weak dollar, Australian investors are pushing deeper into the U.S. seniors housing market.
Instead, they provide housing - market liquidity by buying mortgages, then bundling them into securities on which they guarantee payments of principal and interest.
Heartened by a slight upswing in leasing activity, seniors housing owners and operators still aren't taking any chances as they aggressively pour money into marketing programs to attract new residents and boost sagging occupancies.
there are a few high volume wholesalers in the PDX market one buys mainly court house steps and the other does the direct mail and gorilla marketing stuff... both back into what they will sell a deal for by allowing the buyer a pretty small profit margin..
«Despite persistent inventory shortages, the housing market has made great strides this year, backed by an increasing share of pent — up sellers realizing the increased equity they've gained from rising home prices and using it towards trading up or moving into a smaller home,» says Yun.
«The housing market is closing the year on a stronger note than earlier this summer, backed by solid job creation and an economy that has kicked into a higher gear,» he said.
Realtor.com ®, a leader in online real estate operated by Move, Inc., recently released its February data on the U.S. housing market, offering valuable insight into the latest real estate trends.
Shortly following the twister, homes for - sale that were left standing were quickly snatched up by buyers as the town's once sluggish housing market quickly morphed into a town where available housing is in high demand.
My goal for 2007 is to brow beat my painter into fixing that awful spray paint job he did yesterday on my new rehabbed kitchen cabinets, finish the bathroom in the same house (at the stud level) and FSBO my 3/2 project by the spring market.
Personal income gains and jobs will continue to spur more gains by first - time buyers into the housing market, and that demand is good news for residential construction.
For over 50 years, Harborlight Community Partners (HCP) has remained missionally committed to the preservation and creation of affordable housing; as part of this mission, HCP is working to create pathways to housing by assisting first time homebuyers enter into the real estate market and achieve home ownership.
Ottawa has taken a broad brush to curbing risks in the housing market, unveiling new measures to crack down on speculation by foreign investors and make it harder for homeowners to dig themselves deeply into mortgage debt.
To get some insight into the matter, we turned to one of the most well - informed mortgage rate forecasts available anywhere, the «U.S. Economic and Housing Market Outlook» provided by Freddie Mac.
One developer, Post Brothers, has sought to answer the needs of this market and is doing so by delving into a sub-sector called post-graduate housing.
This year demonstrated a steady build - up of housing momentum — fueled by significant improvements in economic fundamentals, low mortgage rates, and compressed inventory — and is expected to carry the market into 2015 gains, according to the 2014 Housing Review issued today by realtorhousing momentum — fueled by significant improvements in economic fundamentals, low mortgage rates, and compressed inventory — and is expected to carry the market into 2015 gains, according to the 2014 Housing Review issued today by realtorHousing Review issued today by realtor.com ®.
«The story goes like this: The median house price surged 30 per cent from January to peak at $ 765,000 in March, largely driven by investors who were pouring money into the market for quick returns, Realosophy said in a report.
A study done by George Washington University suggested the same thing; the decrease in the maximum loan amount would raise the cost of borrowing for very few people (forcing them into JUMBO loans) and this world have no effect on most mortgage shoppers and a negligible effect on local housing markets.
Multifamily housing (helped both from delays in homebuying brought on by the downturn and from the Echo Boomers starting to move into the rental market