Real estate advice you can trust.
Important Links and Resources
Important Links for Home Buyers and Sellers
The links and online resources you will find on this page are not listed in any order of HomeDingo's preference. They are simply listed alphabetically under each category. The description shown for each website is taken directly from the that website's own pages. HomeDingo lets you decide which of these sites is most useful to you.
Some of the listed websites do not make you to register to use their services. Others make registration optional. A few make you register to use their most meaningful services.
To see the links and resources listed under each category, click on the category description.
HomeDingo would like to hear your feedback on any of these sites, and will consider listing additional home buying and selling websites you recommend. Please contact HomeDingo to report any broken links.
For Sale By Owner (FSBO) Websites
General Classifieds (that include real estate listings)
US Government Agencies
Real Estate Market Trends
Mortgage Information
Credit Reporting and Monitoring Companies
Neighborhood Information
Mapping Websites
Rent vs. Buy Calculators
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www.cyberhomes.com
Cyberhomes valuations give you access to most of the same information that real estate professionals use to evaluate homes. From ListingBook LLC, the leader in property information, services, and technology for REALTORS®, appraisers, and lenders, you get the power of detailed, proprietary analysis of your home and community. Whether you own your place, are thinking of buying, or even just looking around, you can explore data ranging from property facts, value estimates, and a variety of important indicators of local and national changes in the housing market.
www.domania.com
Domania provides the easiest access to home values and real estate tools to help you with your property search. Whether you are personally trying to determine a fair market value for your home or if you are a professional real estate agent or appraiser working on a CMA for a prospect or client, our unique property valuation tool will give you the home value information you need.
www.frontdoor.com
FrontDoor.com the place to find real estate listings and great articles and videos on how to buy, sell or finance a home. Use the links above to find homes for sale, search listings, watch real estate videos and find the information you need to find your dream home.
We believe that the home searching experience should be about more than just the boards and the bricks. It should be about what it's like to live in that building, on that street, and in that neighborhood.
We can't think of anyone better to help you discover all those things than the folks behind HGTV at Scripps Networks, the leader in lifestyle television.
For years, shows like "Designed to Sell" and "House Hunters" have inspired millions of homebuyers and sellers. HGTV has always been there with helpful advice for turning a "house" into a "home" and increasing its value. Now, FrontDoor can help you find a place you can truly call home and make informed, smart decisions about buying, selling, relocation and home finance.
www.homegain.com
HomeGain is a leading provider of online marketing programs that connect real estate agents and brokers with home buyers and sellers. HomeGain offers free services to find and compare real estate agents, research home values, and view homes for sale. REALTORS® use HomeGain's real estate marketing programs to connect with consumers, promote their services and grow their business. HomeGain.com has been a top visited real estate website since 1999. HomeGain is your real estate connection.
HomeGain offers free online services and resources to help make the process of buying and selling a home easy and efficient.
www.homes.com
Homes.com is where your home search begins. Search over 3 million properties for sale or rent on Homes.com, including new homes, apartments for rent, homes for rent, condos, townhouses, and more. Plus, Homes.com provides you with a wealth of information to help you learn more about finding your perfect home. Whether you are looking for a real estate agent to help you buy or sell a home, financing a home, curious about the value of your home, comparing schools, or just browsing properties in your area, you can find it here on Homes.com. View the most popular cities and property types through our directory of real estate listings.
www.hotpads.com
HotPads strives to build the most comprehensive, interactive marketplace of real estate and location-based services, presented with an innovative user interface and a memorable brand. At HotPads we think that it should be easier to find your next home. With HotPads' innovative map-based search, we are striving to give people the best communication platform for sharing information about available housing. We encourage everybody to post info about available homes for sale, apartments, rental houses, sublets, vacation houses, and roommate opportunities.
www.mlscloud.com
Connecting Consumers and Realtors®. Network of MLS Public Web Sites
Note from HomeDingo: Click on a house icon shown on the map of the
www.realestate.msn.com
MSN Real Estate offers information on buying and selling a home, finding an apartment to rent, home insurance, mortgages, home values and home improvement.
www.realestate.yahoo.com
Yahoo! has a huge array of information related to all aspects of real estate. On the top page of Yahoo! Real Estate, we've provided links to many areas we think you'll find particularly useful.
For general searches on real estate and related topics, a great place to start is always the Yahoo! home page. Yahoo! Finance is a good place to look for mortgage, credit, and other financial resources. Yahoo! Yellow Pages can help you find agents, brokers, contractors, and other services. And of course Yahoo! Maps can show you where properties are located as well as provide directions to get there.
www.realtor.com
REALTOR.com puts real estate listings for millions of homes for sale at your fingertips in regions across the
Each real estate listing provides comprehensive details about the property so you have a clear picture of what features and amenities are included. REALTOR.com goes beyond real estate listings, however, with access to real estate tools and resources such as calculators, moving guides, real estate buying tips, and even quotes for movers, self storage, and home insurance. We even have a real estate library where you can read up on important real estate facts and details. REALTOR.com provides you with everything you need to find the perfect home for you.
www.redfin.com
Redfin is the industry's first online brokerage for buying and selling homes, half Century 21 and half E-Trade. This means we know when you want to use the web and when you want to talk to a real person. Our goal is to change the real estate game in consumers' favor by offering you more data, better-performing agents, and a significant commission refund.
A Home-Buying Application, Not a Search Site
In the markets we serve, we show more homes for sale than any other site –- and more data about each home -- but we aren't just a search site. We use the web to help you through the whole home-buying process: scheduling home tours, choosing an agent, drafting an offer, and closing the deal.
A Choice: Redfin Agents or Partner Agents
When you're ready to buy or sell a home, we give you a choice of working with our own Redfin agents or one of our partner real estate agents. Redfin agents serve our customers in major metropolitan areas, while our partner agents are available to customers in outlying areas, and in certain cases where home prices are below our minimum.
www.trulia.com
We are a real estate search engine that helps you find homes for sale and provides real estate information at the local level to help you make better decisions in the process.
We aim to be a delightfully smart partner when you are looking to buy a home. The smart part should help you find your dream home (or at least the dream home within your budget) and arm you with data and information about local real estate (without too much work). The delightful part should make you smile and keep you coming back.
Whether you are moving down the street or clear across the country, we're here to help you understand real estate trends at the local level. When you are about to make the biggest financial decision of your life, we help you understand how your future home stacks up compared to similar homes on the market, and similar homes that have recently sold. We show you how sales prices have been trending where it matters—in your county, city, ZIP code and neighborhood.
We're data hounds but we don't expect you to be. Our crack team of engineers and analysts are focused on building tools—like our Heat Maps and real estate guides—to help you understand and interpret the real estate information. Real estate search just got much smarter.
www.zillow.com
Zillow, Inc. founded and operates Zillow.com -- a leading online real estate marketplace dedicated to helping homeowners, buyers, sellers, renters, real estate agents, mortgage professionals, landlords, and property managers find and share vital information about homes, real estate, and mortgages.
Our goal is to help people make intelligent decisions about their homes - whether it's buying a home, selling, renting, leasing, remodeling or financing - it's all about empowering people with data and information.
The Zillow name evolved from the desire to make zillions of data points for homes accessible to everyone. And, since a home is about more than just data -- it is where you lay your head to rest at night, like a pillow - "Zillow" was born.
In addition to Zillow.com, we also operate Zillow Mortgage Marketplace, where borrowers connect with lenders to find loans and get the best mortgage rates; and Zillow Mobile, the most popular real estate mobile platform today.
www.ziprealty.com
As a buyer with ZipRealty, you get:
• Search and access to over 1.3 million listings updated throughout the day
• See up to 10,000 photos of homes
• Search for New Construction, Fixer Uppers, Priced Reductions and Foreclosures
• Save the homes in a personalized "Favorites" list for viewing later
• Get email updates on the listings that you are interested in.
As a seller listed with ZipRealty, you automatically get:
• Your house listed on the MLS with multiple photos
• Your home posted on top real estate websites such as Google, Realtor.com, and Craigslist
• A "For Sale" sign in your yard
• Professional color flyers showcasing your home
• Open house advertised in local papers and hosted by your agent
• A 360-degree virtual tour and web page on ZipRealty.com
• Featured posting and marketing on ZipRealty's website, with metrics information such as:
• Page views for your listing
• How many buyers have added your listing to their Favorites list
• How many buyers have scheduled a visit
• Popularity of your property against similar listings
• Access your Comparative Market Analysis(CMA)
• Save up to 25% when you sell a house
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www.choicea.com
Selling your home by owner just got a whole lot easier with ChoiceA. The Internet has made it possible to get the exposure you need, and along with free real estate forms and professional quality signs, selling your own home has never been easier.
For
• Listing exposure across the Internet
• Unlimited high definition listing pictures
• Realtime stats and visitor tracking
• Professional yard signs
• Print custom flyers to showcase your home
Track your visitors with listing analytics:
• View how many people visited your listing on craigslist and everywhere else -- see example
• Get weekly activity reports for your listing
• See what sites your visitors are coming from
• Track your progress and listing effectiveness
Customize your listing
• Post unlimited high resolution pictures
• Print your own PDF flyers
• Craigslist HTML code provided by ChoiceA to publish your listing and track your results
• List until sold
• Largest pictures of any real estate site
www.fizber.com
Fizber.com is a Web 2.0 site for real-estate buyers, sellers and professionals. Buyers find homes for sale on Fizber, sellers sell homes on Fizber, and real estate professionals market listings and promote services there.
www.forsalebyowner.com
ForSaleByOwner.com is the nation’s leading “by owner” real estate website. Since 1999, ForSaleByOwner.com has saved home sellers more than one billion dollars by coaching and equipping them with information, tools and services that enable them to buy and sell houses directly.
By selling directly, homeowners can control costs and fees, recouping their home equity. ForSaleByOwner.com charges $89 to $809 for its wide range of advertising, listing services and related information and tools. A homeowner selling a $300,000 home through a real estate agent would be charged a 6% commission and pay approximately $18,000, plus additional fees.
www.owners.com
Founded in 1995, Owners.com empowers homeowners to take control of the home selling process. With our home selling services, consumers can sell a home by owner and save thousands in commission.
Owners.com is a real estate website attracting millions of self-directed consumers looking to buy a home and sell a home without an agent. If you decide for sale by owner is right for you, selling a home using Owners.com can save you thousands of dollars in commission. Owners.com has the largest selection of FSBO homes on the Internet. In addition to FSBO homes for sale, we also feature foreclosures, land, vacation homes, new homes and rentals. Search homes for sale by entering a city or zip code in the form above. Search Homes By Owner
Owners.com offers several ways to help you sell your house without an agent ranging from basic to premium listing services that include yard signs, live expert support, contract review, brochure holders, lockboxes, Realtor.com and a flat fee Multiple Listing Service (Flat Fee MLS) option. Cornerstone MLS is a subsidiary of Owners.com offering flat fee mls listing services to homeowners whose primary goal is to list on the mls at the lowest possible price. Start with a free trial or compare our listing options to sell your home. Get more information on selling by owner by reviewing our home selling packages.
Owners.com has partnered with industry leaders to provide buyers and sellers all the real estate services needed to buy a home and sell a home by owner. We provide the tools and resources needed including home appraisals to accurately price a home, real estate forms to document the sale of a home, moving companies to haul your stuff, lenders so you can compare current interest rates and much more.
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www.craigslist.org (Craigslist)
www.ebay.com (ebay)
www.hoobly.com (Hoobly)
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Fannie Mae (Federal National Mortgage Association):
www.fanniemae.com/kb/index?page=home
Fannie Mae is a government-sponsored enterprise (GSE) chartered by Congress with a mission to provide liquidity, stability and affordability to the U.S. housing and mortgage markets.
Fannie Mae operates in the
NFIP (National Flood Insurance Program)
www.floodsmart.gov
Since standard homeowners insurance doesn’t cover flooding, it’s important to have protection from the floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the
In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.
Freddie Mac (Federal Home Loan Mortgage Corporation):
www.freddiemac.com/
Every day we help millions of families in neighborhoods across
To further support our mission, we initiate community development lending projects and promote consumer education to improve financial literacy. This helps build strong families and thriving neighborhoods in the communities we help finance.
FHA (Federal Housing Administration):
www.fha.com/
An FHA refinance mortgage or FHA loan allows for the refinance or purchase of a home with a low down payment. These loans are great for the first-time homebuyer.
The group of knowledgeable counselors at FHA.com specializes in advising our customers as to FHA mortgage loans. Our complimentary pre-approvals give you the comfort you need to shop for your home with confidence. (Pre-approvals involve our reviewing your information and letting you know whether approval by a lender is likely.) We make getting an FHA mortgage loan fast, easy and convenient.
HUD (
http://portal.hud.gov/hudportal/HUD?src=/federal_housing_administration
HUD’s mission is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD is working to strengthen the housing market to bolster the economy and protect consumers; meet the need for quality affordable rental homes: utilize housing as a platform for improving quality of life; build inclusive and sustainable communities free from discrimination; and transform the way HUD does business.
IRS (Internal Revenue Service):
www.irs.gov/
The IRS Mission:
Provide
This mission statement describes our role and the public’s expectation about how we should perform that role.
• In the
• The taxpayer’s role is to understand and meet his or her tax obligations.
• The IRS role is to help the large majority of compliant taxpayers with the tax law, while ensuring that the minority who are unwilling to comply pay their fair share.
VA (Department of Veterans Affairs):
www.va.gov/
MissionStatement: To fulfill President Lincoln's promise “To care for him who shall have borne the battle, and for his widow, and his orphan” by serving and honoring the men and women who are
Vision: To provide veterans the world-class benefits and services they have earned - and to do so by adhering to the highest standards of compassion, commitment, excellence, professionalism, integrity, accountability, and stewardship.
www.altosresearch.com (ALTOSResearch: Real-Time Real Estate Data):
A few years ago, we set out to solve the problem that real estate market analysis (that is, intelligent interpretation of the raw data) is both highly latent and regionally aggregate. (You can get a "San Francisco Bay Area" overview from last quarter but what does that mean in
A lot of resources will give you an estimate of the price of your home. While this is great information, to our way of thinking, it's not nearly enough - that price estimate can't answer questions like "What is the market doing?"
In order to make decisions you need real-time analysis for your local area. Altos Research is in the business to help you understand the real estate market. We focus on one question, "How's the market?" Our customers have this kind of research and information in every financial aspect of their lives; and they hunger for it in their real estate decisions as well.
From the beginning we knew we would package up our real-time real estate data for any one who cares about such things. We quickly realized that real estate agents are the primary conduit for that information, but sometimes home buyers and sellers or investors want their own insights. Obviously banks and Wall Street institutions have powerful interest in understanding the current housing market. Those groups became the foundation for our products.
After much tinkering and testing, we had a solid platform to monitor local markets in real-time and bring that data to our customers effectively. Altos Research, LLC, was incorporated in 2005 and the company began in earnest January 1, 2006.
Altos Research data now reaches major financial institutions, investors, and thousands of real estate professionals every day. Our statistics and insights are frequently featured in national media such as Forbes, BusinessWeek, and Bloomberg TV. The company won the "Most Innovative New Technology" award from Inman News in 2007.
www.eppraisal.com
eppraisal.com provides home values, neighborhood information, and real estate market analysis to consumers. Homeowners, buyers, and sellers can take the next step by connecting with local real estate professionals – agents, home inspectors, and appraisers (mortgage brokers coming soon).
Based in
In May 2006, eppraisal.com launched sister site hoodeo™, which takes a new approach to finding and buying the home of your dreams. Hoodeo answers the question, "Where are my best places to live?" Through a series of questions about lifestyle, property type, and price range, hoodeo matches you with your top 10 best places to live then allows you to browse homes for sale in that area.
www.realestateabc.com
RealEstateABC.com was started in March 1998 with the goal of providing a site that candidly informs homebuyers and home sellers about the real world of real estate, without puff, hype or sensationalism. We want to help consumers with insight into how things really work with straightforward analysis of market trends and "how to" guides.
This philosophy applies to all the resources on our site, including the Agent Directory and the Home Values tool. Most Agent Directories focus on having the greatest number of agents, but we want the best. So we continually work to put the most informative agents in the directory and we list the agents in the geographies where they are experts. Our Home Values tool helps consumers with the central mystery of buying or selling a home, "what is it worth?" By providing an ABC Value ™, an estimate of value of the selected property based on recent home sales, the consumer has a starting point which they can refine further based on their knowledge of the specific property and by working with a local market expert, a real estate agent.
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www.bankrate.com
Bankrate, Inc. is the Web's leading aggregator of financial rate information, offering an unparalleled depth and breadth of rate data and financial content. Bankrate continually surveys approximately 4,800 financial institutions in all 50 states in order to provide clear, objective, and unbiased rates to consumers. Our flagship Web site, Bankrate.com, provides free rate information to consumers on more than 300 financial products, including mortgages, credit cards, new and used automobile loans, money market accounts, certificates of deposit, checking and ATM fees, home equity loans and online banking fees.
In addition to rate data, we publish original and objective personal finance stories to help consumers make informed financial decisions. Our staff of award winning reporters and editors provides expert advice on just about every major financial decision facing our readers: from purchasing their first home, to selecting a new car, to saving for retirement.
www.hsh.com
HSH.com is the nation's largest publisher of mortgage and consumer loan information. We've been in business for 30 years, so we think we've earned our reputation as the best source for current and accurate loan information -- as witness our frequent media appearances.
HSH is an objective, independent source of information about consumer loans. HSH does not make or broker mortgages and is not beholden to anylender.
Every week, as we have for 30 years, we collect current data from mortgage lenders coast to coast. Every institution in our database is contacted directly, branch by branch, to obtain reliable data. Rigorous quality control procedures ensure that the data are believable.
Our clients include the media, Fortune 500 companies, lenders, secondary marketers, Wall Street firms, state and Federal regulators, and mortgage shoppers. They rely upon our information because it is the best available -- from any source. Lenders do not pay us to include them in our reports. Our website is the only portion of our business that accepts advertising -- and only in areas clearly labeled as advertising forums.
HSH is the exclusive source for objective, editorial daily mortgage statistics -- not derived from advertised rates. You won't find such believable stats anywhere else, on or off the Web.
www.lendingtree.com
What is LendingTree? We're a free, no-obligation service that will empower you to take control of your financial life. We have the interactive tools, personalized advice and comprehensive resources you need to successfully manage your finances. If you're looking for a loan, we can connect you with multiple lenders who'll compete for your business and provide customized loan offers. If you need help with your finances, we have a powerful suite of tools and personalized advice to help you budget your money, get out of debt, and boost your savings. For all your financial decisions, LendingTree can help you every step of the way.
How does LendingTree make money? Lenders pay us for the chance to compete for your business. You won't pay a cent for our services. Our resources—the tools, calculators, and guides found on this site—are all free and are designed to help you learn about the loan process and your finances. Of course, if you decide to take out a loan, you'll be responsible for paying any loan processing, closing costs or other fees to the lender you choose.
What can LendingTree do for me? We can help you make smart financial decisions. From our financial calculators, to our interactive loan coach tools, to our monthly newsletters, to our lender ratings & reviews, we’re here to educate, inform, and answer your questions.
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Credit Reporting and Monitoring Companies
www.experian.com
Equifax
www.equifax.com/home/en_us
Experian
TransUnion
www.transunion.com/
AnnualCreditReport.com/
www.annualcreditreport.com/cra/index.jsp
AnnualCreditReport.com is a centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion.
AnnualCreditReport.com provides consumers with the secure means to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies in accordance with the Fair and Accurate Credit Transactions Act (FACT Act).
GoFreeCredit.com
www.gofreecredit.com/newyear
GoFreeCredit.com is a free, value-added service for consumers that offers consumers the opportunity to check their credit and access their free credit score online, along with a free credit monitoring trial to help consumers protect their credit score and defend themselves against potential identity theft.
GoFreeCredit.com is not connected to AnnualCreditReport.com, which is the central site allowing you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
GoFreeCredit.com is not a financial institution, mortgage banker, or broker. We do not sell products to our customers. Nor do we endorse or recommend any specific kind of product or company.
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Please note that in addition to the websites listed in this section, you can get useful information about specific neighborhoods in some of the websites listed above under “Home Listing and Valuation Websites.”
www.dwellicious.com
Dwellicious is a social bookmarking site for people to organize, share, and discuss the search for their next home. Dwellicious is a combination of the word “dwelling”, meaning home, and “delicious” meaning yummy!
How will Dwellicious help me find my next home? With Dwellicious you will be able to:
1. Simply bookmark and organize real estate listings from popular real estate websites.
2. Share your bookmarked listings with others.
3. Track and update your bookmarked listings.
4. Discuss bookmarked listings with others.
We also give you a set of tools such as mapping, neighborhood info, school info, property valuation, and recent area home sales to help you with your decision-making.
www.familywatchdog.us
Our goal at Family Watchdog is to provide you with the information you need to protect your loved ones. Our service allows you to view known registered offenders and predators in your area. Knowing who these people are and what they've done provides you with your best defense to protect your family - awareness.
We invite you to use our free service to locate registered sex offenders in your area. Just enter an address and we'll show a map. You can click on the squares that appear and see photos (where available) addresses, convictions and other information about the offender.
Our notification service is very simple. You specify addresses that you want to watch and the distance around those addresses. We do the rest. We can also monitor spcific offenders as well. We update our data daily from multiple state sex offender registries. As soon as a convicted sex offender registers an address in your area, we will alert you. It's that easy.
www.walkscore.com
About Walk Score: “55% of prospective homebuyers want a home with a mix of single-family and other higher density housing, sidewalks, shops, schools, and public transit within walking distance.”
Walk Score launched in July of 2007. We show over 3 million Walk Scores every day and over 5,000 sites use Walk Score services. Walk Score has been featured in over 500 newspaper articles and 50 TV segments.
Our
Our Vision: Our vision is for every property listing to read: Beds: 3 Baths: 2 Walk Score: 84. We want to make it easy for people to evaluate walkability and transportation when choosing where to live.
www.google.com/earth/index.html (Google Earth)
Google Earth allows you to travel the world through a virtual globe and view satellite imagery, maps, terrain, 3D buildings, and much more. With Google Earth's rich, geographical content, you are able to experience a more realistic view of the world. Fly to any location in the world, learn about a city and it's geographic features, find local businesses, and create tours.
www.mapquest.com
MapQuest has been helping people find places, get maps and directions for over 40 years. As one of the most recognized and trusted brands on the internet, we’ve created mapping solutions that support consumers and businesses alike. Learn how MapQuest mapping solutions can help you get to where you need to go.
MapQuest, Inc. is a leading provider of maps, directions and location-based services. We serve consumers via a variety of helpful online and wireless offerings. We also support developers and businesses by providing a geospatial web services platform and comprehensive toolset to build advanced mapping applications.
www.terraserver.com
TerraServer.com was founded in 1997 with the simple purpose of finding a commercial market for satellite imagery and aerial photography.
TerraServer leads the aerial image distribution industry with a vast collection of imagery made possible through strong relationships with the leading image providers in the world.
TerraServer does not own or operate any satellites or imagery equipment. We do not take any aerial photos or satellite images. We are a distributor for a number of satellite and aerial image providers.
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The below listed rent vs. buy calculators can be found within some of the popular websites listed elsewhere on this page.
Yahoo! Real Estate: Should I rent or buy a home?
Bankrate.com: Buy or rent your next home.
New York Times: Is It Better to Buy or Rent?
Freddie Mac: Am I better off renting?
http://partners.leadfusion.com/leadfusion/freddiemac/home10/tool.fcs?type=popup&width=590&height=670
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DISCLAIMER
HomeDingo.com is intended to provide general information as to the topics covered. Although the author has used his best efforts in preparing the information included in this website, he makes no representations or warranties regarding the accuracy or completeness of any information on this website, and disclaims all warranties, including without limitation warranties of fitness for a particular purpose. The advice and strategies on this website may not be appropriate for your situation. The information provided is given with the understanding that the author is not giving legal, accounting, or personal financial advice. If you need legal, accounting, or personal financial advice, seek the services of a competent professional. This author is not liable for errors or omissions in the information on this website, nor for damages resulting from the use of information contained on this website. This website makes no endorsement, express or implied, of any companies, individuals, or websites named in this website. Companies and government entities named on this website may have become inactive since this website was created or updated, and any other websites referred to on this website may have changed or disappeared since this website was created or updated. The author reserves the right to proofread, edit, and revise any questions or writings submitted to him on this website before posting said questions or writings on this website.
