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Strategies & Market Trends : The Residential Real Estate Crash Index -- Ignore unavailable to you. Want to Upgrade?

To: Smiling Bob who wrote (93368)	10/30/2007 6:32:17 PM
From: Smiling Bob	Respond to of 306849

DJ Federal Trust 3Q Loss/Shr 65c Vs EPS 7c >FDT DOW JONES NEWSWIRES Federal Trust Corp. (FDT) swung to third-quarter loss of $6.07 million, or 65 cents a share, from a year-earlier profit of $621,000, or 7 cents a share, on continuing deterioration in the residential real estate construction and development market in Florida. The Sanford, Fla., bank holding company said net interest income fell 24% to $2.75 million from $3.62 million. Non-interest income for the period fell 40% to $341,000 from $569,000 a year earlier. The company raised provision for loan losses to $5.12 million from $60,000 a year ago. Total assets on Sept. 30 were $726.9 million, up from $729.9 million on that date a year earlier. -Adam Edelman; 201-938-5400; AskNewswires@dowjones.com (END) Dow Jones Newswires October 30, 2007 17:20 ET (21:20 GMT) Copyright (c) 2007 Dow Jones & Company, Inc.- - 05 20 PM EDT 10-30-07

To: Smiling Bob who wrote (93368)	10/30/2007 7:18:42 PM
From: Think4Yourself	Read Replies (1) \| Respond to of 306849

You hit on the best long term solution for home heating/AC, and that is a geothermal heat pump. You pump heat out in the winter to heat the home, and you pump heat into the ground in summer to cool the house. INCREDIBLY efficient and you get hot water for "free" if you set it up right. If I didn't have a 96% efficient furnace, and if I couldn't cool my whole 2500 square foot house with a 11,000 BTU window unit, I would be putting a system in. Tommaso thinks he's a kook? I wrapped my entire house with aluminum foil before siding it. That and low-E windows are how I can cool 2500 square feet easily with less than 1 ton of A/C. When my neighbors asked why I was wrapping the house in foil I told them it was to stop the alien mind probes! I think my home might be too "tight" now. I finished my conservation measures this summer and my wife has been sick since we started buttoning up the house a few weeks ago. If she stays sick for another month I will need to get a heat exchanger and vent fan. Hope she gets better