Click to view attachment

Have made it a little less shocking. Noted that the title was a little too 'in your face' so changed it.

Mortgage Lending graph has been updated.

Sounds good.

They won't listen to you of course.

If they did and followed your logic, then they would work out that they would be better off hanging tight and try to move up the ladder when everything is cheaper.....either that or sell to rent!

Looking very good jpjh!

Only one comment, "Contrary to belief house prices have been falling since the middle of June 2004."

Should that be popular belief?


Well remember nearly all of these folk have already bought somewhere else already so they are trying to sell to fund that purchase. They won't walk away from that so easily.

I was confused by one line.

"The asking price to selling price is getting larger"

I may be being a bit dim but I thought there might be a word missing.

Other than that it looks really good.

Thanks very much for taking the time to produce this document.

I see what you mean..

would

"The gap between asking price and selling price is getting larger"

will correct the other bit as well DBT

Hi jpjh
as well as my previous comments which I guess you've seen, I'm still confused by "don't compare your house to recent sales". This is clearly nonsense.

Sellers should be encouraged to consider pricing below comparable properties on the market now to achieve a sale in a reasonable time-frame. (This is all that is required.) Point out that if they have had no offers within 4-6 weeks, say, it is mis-priced.

The Price is Not Right Come on Down - too cheesy! It is not a gameshow.

"sit back and consider..." - this is patronising.

Trying to be constructive,

JY

Just a couple of comments: there must be an awful lot of diehard sellers who fall outside the category of those moving up the property ladder and I think the scope and advice should be a little more general. Something along the lines of "Lock in your capital gains" might be good. A mention of getting off the property ladder altogether, i.e. STR (even if it is just to break the chain) would also be helpful if you have room. Apart from anything else, it supports the view that the market is falling.

Also the phrase "If you need to guarantee the sale of your property": perhaps "expedite" or "minimise delay" might be more accurate.

Otherwise all the best of luck with it. Is there an HPC recommended downloads page where it can go?

Guide for how to convert AVI, WMV, MPEG,RM,ect to zune


This guide will tell you how to convert AVI, WMV, MPEG, RM, Divx, MOV,XviD, , RMVB, ASF, MPG to Zune.

Notice:

Before convert convert AVI, WMV, MPEG, RM, Divx, MOV,XviD, Youtube, RMVB, DVR-MS, FLV, ASF, MPG to Zune, let's check the format limitations which the Zune plays.

* Zune Video: unprotected MP4 (MPEG-4), H.264, WMV up to 320x240
pixel, 1.5Mbps video bitrate, 30fps, 192Kbps audio, 44.1kHz.
* Zune Audio: MP3, WMA, AAC up to 320Kbps, 48kHz sample rate.

Related download
* To convert RM/RMVB real media files to Zune, Maybe need to install Realplayer:
http://www.real.com/freeplayer/?rppr=rnwk
* To convert ASF to Zune, Maybe need to install Windows Media Player:
http://www.microsoft.com/windows/win.....;/defaurlt.mspx

conversion tools:

Pavtube Video to Zune Converter is the software especially for playback on Zune player to convert the popular formats to the formats Zune supported. It allows you to edit the videos by trimming and crop function, merge the videos into a large and single one, and capture pictures from the videos for storage on your own PC. Its customized design meets the requirements of the Zune-lovers pursuing the practicality and the specialty. In addition, the product provides the advanced settings like bit rate, frame rate, video size, etc. for those who wish to make more control to the video. Moreover, friendly interface makes you operate it expertly for the first time without the troublesome process.


1. Download the latest versions from office website: http://www.pavtube.com/video_to_zune/,and run Pavtube Video to Zune Converter and you will see its main interface.


2. Import the videos to the file list by clicking Add button. Then you can edit the list using the buttons under the list.


3. Open the profile drop-down bar to select the target conversion format for playback on Zune player. After this, please open output drop-down bar to specify where to save your converted files.

4. Previewing the video is a good choice for you. Under the preview window, you can click the button to capture the still pictures to save on your PC for enriching the picture collection.

5. Edit the videos
Effect:

Adjust brightness, contrast, volume for video and audio. In addition, you can tick to modify the image effects in flipping and deinterlace.

Trim:

Drag the slider or set the number manually to choose the starting time and the ending time. You can gain the selected time phase for enjoyment.

Crop:

Open the drop-down list to select which edges to be cut off. Drag the frame-mark to specify the region you want.

6. For better effects, clicking setting button can satisfy you. Tick to select which part to modify, video or audio. One click for the parameter can make the triangle button appear. Hit it then amend the parameter.


7. Click the merge button to create a single file. If you wish to reduce the trouble of resetting, hit apply to all button.

8. Start to run the program by clicking the button. After this, you can confirm the converted file on your PC by hitting open button. Here all the preparing work is finished. Then you can transfer the converted file to your Zune player for enjoyment.

This is some good stuff I must say...

Cheers,
SweetHome