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Ki Gray's Articles

  • 7 Reasons to use a Real Estate Agent
    A guide of the benefits of using a real estate agent when purchasing property.
  • A Condo or a House? A Few Things to Consider
    When you are looking at buying a residence one of your considerations is whether to buy a home or a condo. This article looks through a few of the issues you should consider before making your decision.
  • A Guide to Austin's Greenbelts
    This article gives you an Austinite's look into one of the most treasured natural attractions of central Texas: The Barton Creek greenbelt.
  • A Guide to Buying your First Rental Property and Becoming a Landlord
    When you are buying your first rental property and becoming a landlord, there is lots to learn. How do I find tenants? What should I charge for rent? Should I update the places to get more rent? How do I tell the tenants they are late on rent?
  • A Guide to Going Bankrupt in Real Estate!
    There have been a lot of books and late night infomercials on how to become rich through real estate. Apparently, you can become rich overnight. That is pretty neat. But, no one has really written a good guide on how to go bankrupt. Sure everyone is doing it, but how can you get in on the action.
  • Are We Headed for a Globalized Recession?
    The US recession depends as much on her neighbors as on internal checks like Congress and the Fed. If emerging economies stand to gain from the recession, should they bear some responsibility for righting the credit crunch? This article explains some of the problems globalization poses in a financial crisis.
  • Area Springs in Austin Texas
    Austin is a city that values its parks and outdoor activities. The article talks about the several pools and springs in Austin.
  • Austin BBQ: A Tour of the Town
    This article provides a tour of some of the best BBQ joints in Austin Texas.
  • Austin Coffee: Keeping it Weird
    This article discusses ther diversity of Austin's plethora of local coffee shops
  • Austin Entertainment Profiles : Red River Clubs
    This article discusses the rich and vibrant history of the Red River district in Austin, Texas, which has spawned some the most renowned blues and rock musicians of the past fifty years.
  • Austin Neighborhood Profile: Hyde Park
    This article showcases the lovely and historic Hyde Park neighborhood in Austin, Texas.
  • Austin Neighborhood Profiles: North Loop
    North Loop is a small neighborhood in central Austin. This article gives some information and history about the North Loop neighborhood.
  • Austin Texas Neighborhood Profiles : Clarksville
    The West Austin area of Clarksville was originally a freedman's colony for slaves freed after the Civil War. Clarksville now has a very diverse population, and this diversity is reflected in the various nationalities of the residents. There is an excellent public grade school in Clarksville, named Mathews Elementary.
  • Austin's Identity Crisis for Downtown Austin Real Estate
    Austin is facing many changes with numerous high rise condos breaking into the skyline. The changes are hard to swallow for such a local-minded city, and some Austinites are having a hard time giving in to the changes. But with the influx of new residents, we have to prepare for the new adventure and fondly reminisce about the past.
  • Avoiding Sour Negotiations in Real Estate
    Negotiations can go sour, especially when emotions run high. The agent's responsibility is to understand the overall situation and help prevent it from getting too disruptive to the process. These are some techniques and tips on how to negotiate a win-win outcome.
  • Bear Stearns and the New Federal Reserve
    This article discusses the recent Federal Reserve-backed takeover of investment bank Bear Stearns by its competitor JPMorgan Chase, emphasizing the changing role of US monetary policy in the market.
  • Bear Stearns from 20 Billion to 236 Million and Beyond
    This article talks about the recent history of Bear Stearns and its recent buyout.
  • Can The Bush Tax Cut Work?
    Can the impending economic stimulus package that the Bush administration is creating have the power to keep the US from recession? This article discusses some of the factors of the economic crisis.
  • Cashflow is King (Sometimes)
    This article is not meant to diminish the importance of looking at cashflow for a property. It is simply to remind investors that making a wise investment decision should go beyond simply looking at cashflow.
  • Changing The Look Of A Fireplace
    The fireplace is an important aspect of the interior of your home and can be important for resale. This article talks about how to successfully update a fireplace.
  • Christmas in Austin Texas
    Austin is a vibrant town all year around but when Christmas comes Austin has a few uniquely Austin events to celebrate the holidays. This article looks through a few of Austin's Christmas traditions.
  • Commodities Stoke Inflation Fears
    The Fed has cut interest rates several times in 2008. This article discusses the problems associated with inflation which has followed the interest rate cuts.
  • Condo vs House
    When decided between a condo and a house there are alot of different factors to consider. This article goes through a few of the most important factors to consider when making a decision between the two.
  • Credit Crunch: Light at the End of the Tunnel
    The credit crunch has been gripping the country for the last several months. This article discusses the current situation with the credit crunch.
  • Evaluating the Different Options Available for Downtown Austin Condos
    The downtown real estate market in Austin Texas has been expanding. With condos going up in the different sections of downtown its a good idea to evaluate the different options before plunging into the market.
  • Fed Credit: Down The Tubes
    This article discusses the increasing likelyhood that the US will enter a recession in the wake of the Fed's ineffective interest rate cut on January 22nd.
  • Fed Restrictions Make Loans Tough
    This article discusses the recently tightened loan guidelines issued by the Federal Reserve in response to the sub-prime mortage crisis.
  • Feng Shui in Real Estate - The Landscaping
    Feng shui is a group of design principles when looking for or building a home. The idea is that these guides will help the energy of the home and create a better living environment.
  • Feng Shui in Real Estate - The Location and Lot
    Feng shui is a group of principles to guide home and lot design. The idea is that these guides will help the energy of the home and create a better living environment.
  • Feng Shui in Real Estate - The Location and Lot
    Feng shui is a group of principles to guide home and lot design. The idea is that these guides will help the energy of the home and create a better living environment. In Part 1, we discuss how feng shui can help find the right lot and location for your home.
  • Filmmaking Community in Austin Texas
    This article discusses the vibrant film scene in Austin.
  • Finding a Good Lender
    A good lender is hard to find. He will be able to explain and guide you through the loan programs so that you find the right one for you.
  • Finding a Good Lender
    A good lender is hard to find. He will be able to explain and guide you through the loan programs so that you find the right one for you.
  • Finding your Maximum House Price
    A guide on how to find the maximum house price when you are looking to purchase your first home.
  • First Night Out 2008: Looking for Something Different
    What will you be doing on New Year's Eve? Austin has its annual First Night Out with various activities, plays and festivals to experience.
  • First Thursday's on South Congress in Austin Texas
    First Thursday is a monthly event in Austin Texas. Each first thursday the businesses on South Congress stay open late and the residents of Austin have some fun.
  • First Thursday's on South Congress in Austin Texas
    First Thursday is a monthly event in Austin Texas. Each first thursday the businesses on South Congress stay open late and the residents of Austin have some fun.
  • Hillary and Obama: Where Are The Issues?
    This article discusses the ongoing primary fight between Hillary Clinton and Barack Obama.
  • Historic Neighborhood Profiles : Travis Heights
    Travis Heights is a small neighborhood in central Austin. This article describes some of the features and history of this neighborhood.
  • Home Improvement Tips : Bathroom Renovations
    When remodeling a house one of the most important factors for getting a good price in the end is the bathroom. This article discusses how to remodel a bathroom.
  • How Hillary Stole New Hampshire
    This article describes the New Hampshire primary upset and some of the key factors that led up to the surprising results.
  • How to Hire a Contractor
    Hiring a good contractor is an important part of a successful remodel. This article describes how to hire a contractor.
  • How to Refinish Hardwood Floors
    With the current interest in home improvement people are looking for ways to improve their homes at minimal cost. This article provides a quick tutorial on how to refinish hardwood floors in older homes.
  • How Will The US Economy Recover?
    The US is currently dealing with the fallout from the mortgage crisis. The article looks at the current state of the US economy.
  • Independence Day in Austin
    Austin has many different holiday traditions. This article describes the annual independence day celebrations in Austin.
  • Interest Rates and the Credit Crunch
    This article looks at the current problems of the credit crunch in the US.
  • Investing in a Down Market
    When the market is down people frequently avoid investing. This article looks at some of the benefits of investing in our current down market.
  • Is a US Recession Inevitable?
    This article discusses the possible causes of and outcomes from a potentially impending US recession.
  • Is the Democratic Primary Destroying the Democrats?
    This article talks about the damage the current presidential primary is doing to the Democratic Party.
  • Is the Federal Interest Rate Cut Enough to Stabilize Sub Prime Mortgage Woes?
    This article discusses the potential outcomes from the impending Federal interest rate cut on the US economy.
  • Is the Federal Interest Rate Cut Enough to Stabilize Sub Prime Mortgage Woes?
    This article discusses the potential outcomes from the impending Federal interest rate cut on the US economy.
  • Is the Superfund Capable of Restoring Confidence?
    The subprime mortage sector of the U.S. economy has taken huge losses over the past several months as many high-risk loans have defaulted. A new fund aimed at stabilizing this sector unfortunately just repackages the same problems under a new name- the "Master Liquidity Enhancement Conduit." Can this fund have a positive impact?
  • Keep Austin Wierd - Austin's Battlecry
    Keep Austin Wierd is a slogan the city of Austin has embraced. This article provides a short history of the phrase.
  • Local Austin Restaurants with Playscapes
    If you go out to eat and bring the some children along it always nice to have a place for the kids to run around. This article details which restaurants in Austin provide playscapes for the kids.
  • Lowering Your Monthly Mortgage Payments
    When purchasing a home, it is helpful determine upfront how much you want to spend per month. To achieve these monthly payments, you can adjust some of the variables of your loan.
  • Lowering Your Monthly Mortgage Payments
    When purchasing a home, it is helpful determine upfront how much you want to spend per month. To achieve these monthly payments, you can adjust some of the variables of your loan.
  • Mortgage ARMs Become Attractive Again
    After the subprime issues of the last year ARMs become a less attractive option compared to fixed rate mortgages. This article talks about how ARMs have started to become a more interesting option over the last month.
  • Mortgage Interest Rates Jump Up
    Interest rates have increased recently. This article details what mortgage products have changed and what we might be seeing in the near future.
  • Mortgage Interest Rates: Up Up And Away
    Mortgage interest rates have been rising over the last month. This article examines the current trends with mortgage interest rates.
  • Neighborhood Profiles: Southwest Austin
    Although once considered a far off neighborhood the area referred to as southwest Austin is becoming more downtown adjacent as Austin grows. The article describes the southwest Austin neighborhoods and area.
  • North Loop: Old Meeting New
    North Loop is one of the many eclectic choices of neighborhoods in Austin, TX. This article gives some background and history on the area and gives you sense of how the neighborhood feels.
  • Now is Not a Good or Bad Time to Buy Real Estate
    People frequently spend time analyzing the current state of the market. In this article, we talk about why this is not the ideal strategy, and talk about other more important factors to consider when investing in real estate.
  • Pioneering Austin Architect AD Stenger
    Though AD Stenger wasn't as prolific as Joseph Eichler, or as well known as Frank Lloyd Wright, he built some of Austin's most unique homes that are now considered mid-century modern.
  • Planting Austin Friendly Flowers : A Guide To A Low Maintenance Garden
    Using native flowers has many benefits for your garden. This article talks about some of the plants that are native to Texas along with detailing some of the benefits of choosing native plants.
  • Profiles in Green Building: The Austin Real Estate Market
    This article covers the long history of green building in Austin, Texas and its relationship to real estate in the area.
  • Putting In A Flowerbed
    Adding a flowerbed is a great inexpensive way to add some charm to your lawn. This article describes how to put in a flowerbed.
  • Quitting Real Estate: Possibly a Good Career Move
    As the real estate market slows alot of realtors have been leaving the real estate profession. This article goes through a few reasons why leaving might be a smart idea.
  • Real Estate: Where's The Bottom?
    The US real estate market is currently going through a slump. This article discusses some of the factors weighing on the national real estate market.
  • Removing Countertops - A How To Guide
    Removing countertops yourself can save money when you are remodeling your kitchen. This article describes how to remove your countertops.
  • Run the Numbers Before Buying an Investment Property
    Before buying an investment property it is a good idea to understand the different costs associated with owning a rental property to get an accurate idea about what your monthly cash flow will be. This article discusses how to run the numbers on an investment property and determine your expected monthly cash flow.
  • Selecting a Good Price for Your Home Purchase
    When buying a piece of real estate the purchase price is one of the most important factors in the potential transaction. In this article we go through the aspects involved in coming to a good price for your potential home.
  • Selling Your Home: Making Your Home Accessible and a Pleasant Showing Experience
    Frequently when people are selling their home they concentrate on the price and the house. But their are other things a seller can do to increase the chances they will recieve and offer on the real estate they have for sale.
  • Seven Steps of the Loan Process
    There are various steps of the loan process. From picking a lender to closing, each step is covered in detail.
  • Should your First "House" be a Duplex?
    There are a number of benefits to buying a duplex as your first real estate purchase instead of a house. This article looks through some of the benefits of having your first "home" purchase be a duplex.
  • Sluggish Fed, Why Are You So Sluggish?
    This article discusses the recent reticence of the Federal Reserve towards interest rate cuts, and their potential economic effects.
  • Some Pros and Cons of Owning Real Estate
    Like many financial decisions their are pros and cons of moving into the real estate market. This article examines the pros and cons of owning real estate.
  • Sprucing Up Your Home to Get It Ready to Sell
    Getting your home ready to sell can get confusing with all the choices of possible upgrades and cleanups. This article talks about a couple of options and ideas to consider. Every market is different so think about these options and what may be best for your home.
  • Steps to Finding the Right Neighborhood
    When searching for a neighborhood that is just right for you, there are various aspects to consider like school, land, shopping, and of course, location. Balancing these aspects to make the right real estate decision takes some prioritization, and with the help of a real estate agent, you can sort through these things.
  • Sub-Prime Fallout: Why Such A Big Deal?
    This article describes the sub-prime crisis in detail, with emphasis on its similarities and differences from the savings-and-loan scandals.
  • Subprime Woes: Are We Out of the Woods Yet?
    The White House, the Fed, and bond insurance companies are all taking unprecedented action to minimize the subprime mortgage crisis. But is it enough? This article discusses the likelyhood that the US is headed towards recession with these factors in mind.
  • SXSW: Which Admission Option is Best for You?
    This article covers the myriad options for people who want to attend some portion of the SXSW conference/festival in Austin, Texas this coming March.
  • Synthesizer Fundamentals: Classic 80's Brass
    This article describes in detail how to build classic 80's synth brass sounds step by step.
  • Synthesizer Fundamentals: Classic 80's Brass
    This article describes in detail how to build classic 80's synth brass sounds step by step.
  • The Benefits of a GFE and Pre-Approval
    Asking for the good faith estimate and pre-approval letter before beginning your home search can have a couple benefits. For one, you will determine your max prices. You will also find out any credit issues before moving on to underwriting. And finally, a pre-approval letter to negotiating with the seller.
  • The Benefits of the 15 Year Loan
    With all the recent fancy loan programs, the 15 year fixed-rate loan has become a forgotten option to the typical 30 year. If you can spare the extra per month, you can save on interest paid as well as pay the loan in a shorter amount of time.
  • The Benefits of the 15 Year Loan
    With all the recent fancy loan programs, the 15 year fixed-rate loan has become a forgotten option to the typical 30 year. If you can spare the extra per month, you can save on interest paid as well as pay the loan in a shorter amount of time.
  • The Culture of South Austin
    This article describe the south Austin area. It also describes the popular SoCo and SoLa strips of small independent retail stores in South Austin.
  • The Hidden/Green City
    Austin is a city that values its trees, green spaces, parks and trails. This article looks at the parts of Austin that exist away from the busy streets and stores and concrete.
  • The Impending Subprime Interest Rate Freeze
    The White House is working with lenders to attempt to freeze rates on subprime mortgages in an effort to lower the number of potential foreclosures due to the subprime mortgage crisis.
  • The Impending Subprime Interest Rate Freeze
    The White House is working with lenders to attempt to freeze rates on subprime mortgages in an effort to lower the number of potential foreclosures due to the subprime mortgage crisis.
  • The Latest Federal Rate Cut - Another Attempt to Bolster the Real Estate Market
    This article discusses the Federal Reserve's recent third interest rate cut and its likelyhood to stem a future recession.
  • The Latest Federal Rate Cut - Another Attempt to Bolster the Real Estate Market
    This article discusses the Federal Reserve's recent third interest rate cut and its likelyhood to stem a future recession.
  • The Organic Farmer's Markets in Austin Texas
    The farmer's markets in Austin, Texas are some of the top outlets for organic and sustainable produce in the United States.
  • The Tarrytown and Deep Eddy Areas of West Austin
    Downtown Austin is filled with many older neighborhoods with lots of character. This article describes the tarrytown and deep eddy neighborhoods.
  • The Two Sides of Gentrification
    Gentrification has become a hot topic in cities like Austin Texas and Boulder Colorado where central neighborhoods have risen quickly in value. This article discusses some of the issues involved with gentrification.
  • The Underground Clubs on Red River in Austin Texas
    This article discusses the rich and vibrant history of the Red River district in Austin, Texas, which has spawned some the most renowned blues and rock musicians of the past fifty years.
  • The University of Texas Campus Area of Austin
    The University of Texas is one of the largest colleges in the United States. The article describes the neighborhoods and business around UT.
  • Top 8 Things to Avoid in the Real Estate Agent You Choose to List Your Home
    Picking a real estate agent to list your home, one of your most valuable assets, is difficult. This article contains a list of 8 things to look for and avoid when picking your real estate agent.
  • Treasury Reorganization: Recession Response or Red Herring?
    This article discusses the current reorganization that is occurring in the Treasury department.
  • Waterloo Records: An Austin Original
    Since 1982, Waterloo Records has carried independent and local artists from Austin, Texas.

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