How? By all the new Apps out there...here are FOUR that are topping the list! And they are all FREE! SNAPCHAT ~ available for both iPhone and Android It is a new way to share moments with friends. Snap away...add a caption and then hit send! Your friends receive it, view it and then SNAP it disappears! The users are mostly young teens, sending about 60 million images and videos daily! GIFBOOM ~ available for both iPhone and Android Express yourself IN MOTION! Use the app to take a series of pictures, add some effects, texts and comments. Then share away! GIFs have become a stable on sites like Tumblr.  It takes 30 smart-phone pics in rapid succession and lets users pic which ones to animate and share! VINE ~ available ONLY for iPhone It is the best way to see and share life IN MOTION! Create short, beautiful, looping videos in a simple and fun way for your friends and family to see. This app is backed by social-networking giant Twitter! It is s...

In a market flooded with foreclosures, homebuyers can find steals easily. Or that's what many of them think until they begin searching. Soon, they learn that only savvy buyers get the best deals. Understanding how banks negotiate foreclosure deals is a must if you want to buy low in today's market. Here are five secrets every homebuyer must know when shopping for a foreclosed home. Don't make lowball offers on just-listed properties It's useless to make lowball offers on bank-owned houses that have been on the market for only a few days, says John Thompson, a Realtor at Samson Realty in Chantilly, Va. "When you haven't had opportunity to expose your property to the marketplace long enough, you would be reluctant to take a lowball offer," Thompson says. "Most of the banks are aggressive with their pricing, but they are not going to give the properties away." Asset management companies handle sales for banks. These companies price ...

With the Web technology constantly changing, you, in turn, have to keep up with it. For example, Google recently altered the way it indexes Web sites, which turned much of the predictable wisdom regarding search on its head. 1)  Create, don’t duplicate.  One of the biggest changes relates to identical content. In short, BE ORIGINAL. “Google aims to return authoritative relevant results,” says Jesse Leimgruber, certified Google analyst and SEO pro at Rank Executives. “They now remove sites that are not authoritative, post duplicate content, and fail to add value to users. Their recent ‘Panda’ update was designed to improve search experience by demoting low-quality sites that lack useful and original content.” So while sharing that awe-inspiring article you found on the Web will hold value in social media, i.e. Facebook and Twitter, it won’t aid in boosting your Google ranking. It can actually hurt your site’s rankings. So in a nut shell, keep it original when it comes ...

Homebuyers are back. But they're not finding many for-sale houses to choose from. This dearth of for-sale homes isn't imaginary. In fact, the pool of properties actually has shrunk in housing markets across the nation. Only 2.32 million existing homes were available for sale in the U.S. at the end of September 2012, according to the National Association of Realtors. That figure represented a 5.9-month supply of for-sale homes at the September pace of sales. A year earlier, the supply of for-sale homes would have lasted 8.1 months at the then-current pace of sales. So, what happened to all the houses? Leslie Appleton-Young, chief economist for the California Association of Realtors in Los Angeles, and Rick Sharga, executive vice president of Carrington Mortgage Holdings, a mortgage company in Aliso Viejo, Calif., offer some answers. Sellers are on the sidelines.  Some homeowners have no reason to move. Others aren't motivated because they would take a loss at c...