Now, that's over. Two years of standing around, now down to business. Fast. Republicans hold the same veto in the House of Representatives, but have already softened their 2011 gridlock position. Tom Cole, Republican of Oklahoma and deputy whip, yesterday: "Of course we need more revenue." The president is the same, but he will have less power every day. Congress members of both parties know that they'll be around long after he's gone, holding the bag for whatever he wants to do.

Mobile devices have allowed real estate agents to take all of the tools they need to do their job on the road, freeing them from the need to work out of an office. But when it's time for a private consultation with a client or e-signing a batch of documents, even the most luxurious SUV is lacking somewhat in the atmosphere department. San Francisco-based Climb Real Estate Group has a solution to that problem -- a "second office" that's actually a gleaming aluminum Airstream trailer.

Once you've become pre-qualified for a loan, you should be ready to put your house-hunting efforts into full gear. But don't skip the important step of scouting out neighborhoods before you start your search for the perfect house. The neighborhood in which you live will heavily dictate your whole way of life—things like walking to a nearby park with your kids, knowing your kids are attending good schools, feeling safe when your children play outdoors, being close to restaurants and shopping, enjoying a short commute, and knowing your home will appreciate at a healthy rate. Of course one way to get started in your neighborhood search is to get in your car and explore, especially if you're unfamiliar with the area. Get an idea about the neighborhoods by driving around and seeing which areas appeal to you. Walk around, explore, and talk to some of the residents. Take note of the general appearance of the homes. Are they well maintained? Are they nicely landscaped? If you have children, you might be looking for a neighborhood with plenty of children around, as opposed to neighborhoods that attract more seniors or young singles. Other factors you'll want to consider are the schools, crime, your family's specific needs, and appreciation - as in how much the value of the home is likely to increase. A good Realtor will be very familiar with all the neighborhoods in the area and should be able to tell you about the strengths and weaknesses of the specific neighborhoods you're eyeing. The school district, Even if you don't have school-aged children, buying a home in a district with good schools will be in your best interest. When and if you sell the home at some point in the future, future buyers with children will likely consider good schools their top priority. And neighborhoods with good schools typically attract more buyers. There are several sites on the Web in which school reports are just a few mouse clicks away. Basically all you do is enter a geographical area or z

The end of the year is a great time for renters to become homeowners, growing families to move to more accommodating homes, and baby boomers to find houses that fit their evolving lifestyles. Benefits to buying at the end of the year include: Tax savings. Closing on your new home by Dec. 31 means you can deduct mortgage interest, property taxes and points on your loan on your income tax return. You can also deduct the interest costs associated with a home equity loan. These deductions are significant, especially in the early years of your loan when you are paying off so much interest. Sellers might be more motivated. Many sellers will also be anxious to sell by the end of the year so that they, too, can enjoy tax savings on the next home they purchase. That means you may have more leverage during negotiations and they may be willing to accept lower than their listing price. However, if you're in a strong seller's market, you'll want to be conservative -- and always heed the advice of your real estate professional. If you're buying a new house, there's a good chance builders will be offering incentives. Many builders will throw in nice little extras to sell as many houses as they can by the end of the year. Generally speaking, your housing choices during the fall are still healthy. By December there are traditionally fewer houses on the market. October and November are great months to go house hunting.It's easier to move. Many moving companies are booked six or so weeks in advance during the busy summer months. In the fall and winter it's normally easier to secure the services of a moving company or rental equipment on shorter notice. A new home for the holidays. The holiday season is a great time to celebrate your new home with family and friends. In addition, you'll enjoy the many benefits that come with homeownership, regardless of what time of year you buy, including: Paying toward something you own. If you're renting, your rent payment goes toward something tha

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