Across the country, dentists, retirees, janitors and even teenagers gather each week in hotels, buffet halls, synagogues and the like to sniff for scuttlebutt and attend get-rich seminars with titillating titles like "Turn an Ugly House into a Pot of Gold" and "Exploding Profits Through Bankruptcies."

California now has more than 40 such clubs, Florida 50. The Georgia Real Estate Investor Association has grown so large -- its main monthly meeting can draw 1,000 -- the group recently bought a building to host an almost daily schedule of confabs.

In Texas, Randy Steadham, a former oil services exec who is president of the Realty Investment Club of Houston (none too subtle acronym: RICH), says his membership has quadrupled since 2001, to 2,100 people.

"I for one," he drawls, "have pulled all my money out of the stock market and put it into real estate."

Study finds N.Y. residents pay $131 for every $1,000 earned, Tennessee taxes residents the least.

NEW YORK (Reuters) - New Yorkers pay the highest state and local taxes in the nation, shelling out nearly $131 for every $1,000 of income in 2002, according to a new study.

Tennessee taxed its citizens the least, with residents paying just under $84 for every $1,000 of income, according to the Massachusetts Taxpayers Foundation.

Massachusetts, ridiculed in the 1980s as "Taxachusetts," fell to 40th in 2002, as its residents only paid $96 in taxes for every $1,000 of income.

WASHINGTON - Fraud is running rampant in the nation's mortgage industry, with nearly three times as many reports of suspicious activity so far this year compared with 2001, a top FBI (news - web sites) official said Friday.

"It has the potential to be an epidemic," said Chris Swecker, FBI assistant director for criminal investigations.

Through the first nine months of 2004, mortgage companies and banks have reported more than 12,100 instances of suspicious activity compared with only 4,220 in 2001. The FBI currently has 533 pending mortgage fraud investigations, compared with 102 in 2001.

Law enforcement officials say the lending and refinancing boom that accompanied record low inter est rates in the past few years is a key reason for the increased fraud. The FBI has identified several "hot spots" around the country where fraud is especially prevalent, including Florida, California, Nevada, Michigan, Missouri and Illinois.

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