8 Ways to Get Out of Debt and Start Saving for the New Year: http://ping.fm/o15jK

How to Make the Best of 2010: http://ping.fm/uGHZT

How to Make the Best of 2010

HANDBOOK 2010

Health:
1. Drink plenty of water.
2. Eat breakfast like a king, lunch like a prince and dinner like a beggar.
3. Eat more foods that grow on trees and plants and eat less food that is manufactured in plants..
4. Live with the 3 E's -- Energy, Enthusiasm and Empathy
5. Make time to pray.
6. Play more games
7. Read more books than you did in 2009 .
8. Sit in silence for at least 10 minutes each day
9. Sleep for 7 hours.
10. Take a 10-30 minutes walk daily. And while you walk, smile.

Personality:
11. Don't compare your life to others. You have no idea what their journey is all about.
12. Don't have negative thoughts or things you cannot control. Instead invest your energy in the positive present moment.
13. Don't over do. Keep your limits.
14. Don't take yourself so seriously. No one else does.
15. Don't waste your precious energy on gossip.
16. Dream more while you are awake
17. Envy is a waste of time. You already have all you need..
18. Forget issues of the past. Don't remind your partner with His/her mistakes of the past. That will ruin your present happiness.
19. Life is too short to waste time hating anyone. Don't hate others.
20. Make peace with your past so it won't spoil the present.
21. No one is in charge of your happiness except you.
22. Realize that life is a school and you are here to learn. Problems are simply part of the curriculum that appear and fade away like algebra class but the lessons you learn will last a lifetime.
23. Smile and laugh more.
24. You don't have to win every argument. Agree to disagree...

Society:
25. Call your family often.
26. Each day give something good to others.
27. Forgive everyone for everything.
28. Spend time w/ people over the age of 70 & under the age of 6.
29. Try to make at least three people smile each day.
30. What other people think of you is none of your business.
31. Your job won't take care of you when you are sick. Your friends will. Stay in touch.

Life:
32. Do the right thing!
33. Get rid of anything that isn't useful, beautiful or joyful.
34. GOD heals everything.
35. However good or bad a situation is, it will change..
36. No matter how you feel, get up, dress up and show up.
37. The best is yet to come..
38. When you awake alive in the morning, thank GOD for it.
39. Your Inner most is always happy. So, be happy.

Last but not the least:
40. Share this with everyone you care about, I just did.

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All the best wishes for joyful holidays everyone!

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It's Here! December 2009 Real Estate Market Advisory: http://ping.fm/upDUg

December 2009 Market Update

The bounce is happening! November displayed a marked increase in number of homes pending in all counties with a range of increases from 34%-110% in the under $100,000 bracket and a 20%-54% increase in the over $100,000 category. The only decline in pending inventory was seen in the under $100,000 bracket in the city of Detroit where all of the low hanging fruit has been purchased and the inventory remaining is not as attractively priced. However, in the over $100,000 price range the city of Detroit has experienced an increase in the number of pending properties by 15%.

Within the under $100,000 price range, we’ve also seen an increase in the median sale price from 18%-47% in all counties except in Livingston, which reported a marginal decrease of 4%. Keep in mind that the increase in median price does not necessarily reflect an increase in the value of individual properties. This increase could be easily explained by the fact that the lower priced inventory no longer exists thus causing more recent sales to reflect the higher median price. In the over $100,000 range, the median sales price was down across the board ranging from (-)1%-9%.

In summary, we need to be educating people that now is the time to sell and buy up. The best part is that they don't have to take our word for it. We can share this message with them from one of the most reliable sources there is: Business Weeks’ Marc Roth; "If You Don't Buy a House Now, You're Stupid Or Broke!" http://www.businessweek.com/lifestyle/content/dec2009/bw2009127_753974.htm

Here's an easily understood illustration we can use to communicate what this means to our potential customers:

Current Home - was = $150,000 now = $100,000 Loss = $50,000
New Home - was = $300,000 now = $180,000 Gain = $120,000
Total gain = $70,000

True, some of us can't find a way to pay off the $50,000, but many of us are suffering from reduced income that would qualify us for a short sale. Those who are able to do a short sale may then secure a new FHA mortgage on the $180,000 home or more. If you are curious as to how a short sale can be orchestrated to allow for a new home purchase, contact me.

Click Here For A Larger Image:

Sell more house where most houses are sold!
http://ping.fm/PqxGX

Telling it like it is: http://ping.fm/7WbYl

If you work just for money, you'll never make it. If you love what you are doing, and always put the customer first, success will be yours.

The 1st requisite for success is the ability to apply your physical and mental energies to one problem incessantly without growing weary.

Vacation over - back in the saddle! Just registered for Virtual Real Estate BarCamp on Nov 17th, 2009. Join me? http://bit.ly/laxNP vrebc

SFR Training - All the dots just got connected... Short sales are going to be much easier now!

"In absence of clearly defined goals, we become strangely loyal to performing daily acts of trivia."
Author: Unknown - Participants: Many

Home Buyer Tax Credit Gets New Life Plus An Enhancement

Home Buyer Tax Credit Gets New Life Plus An Enhancement:
Key lawmakers in the Senate have tentatively agreed to extend the existing $8,000 tax credit for first-time home buyers and also offer a new $6,500 credit for existing homeowners who have lived in their current residence for a consecutive five-year period in the past eight years. This is according to the Wall Street Journal's Corey Boles 10/29/09

#real estate: Update On The Home Buyer Tax Credit 10/28 - http://ping.fm/9D5RD

Home Buyer Tax Credit Update 10/28

Here is what we know as of this afternoon. The tentative tax credit agreement of yesterday has changed. The Senate is still negotiating the terms of the credit and how to proceed. A new agreement on extending and expanding the tax credit has now been introduced as a separate, stand alone bill. The Senate voting procedure on this bill is still undecided. It could be voted upon separately from the Unemployment bill. Or not. The timing of the votes is still up in the air. But the good news is that we are still very much in the mix. Stay tuned...

Make Sure Your Deals Close
See The Top Michigan FHA Lenders Here:
http://ping.fm/s1oeA

See The Top FHA Michigan Lenders

#1 - John Adams Mortgage
#2 - Bank of America/Countrywide
#3 - Flagstar Bank FSB
#4 - Ross Mortgage Corp.
#5 - Gold Star Mortgage Financial

*Based on compilation of Wayne, Oakland, Macomb, & Washtenaw Counties.
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You have the power to end HVCC! No more unfair appraisals! Make a difference here: http://ping.fm/u9OqG

You have the power to end HVCC!

On Wednesday, October 21st, the National Association of Mortgage Brokers used this petition hvccpetition.com to help convince the House Financial Services Committee to pass an amendment that will finally put an end the mess that HVCC has been making of the real estate and lending industries. More than the 102,000 signatures on the petition, it was the pace at which the petition is growing and the HVCC horror stories signers included with their electronic signatures. Now more than ever we need everyone to rally behind this cause to make absolutely certain it continues to gain the momentum necessary to make it through the House and Senate votes that are forthcoming. Please, please, Please, sign this petition if you haven't done so already and more importantly, send it to everyone you know in any sector of the real estate and lending industry as well as to all the current, past and future clients in your database. The new petition website makes it abundantly clear how all homeowners are losing equity and being harmed directly by HVCC as well as how it is blocking any chance at the real estate recovery our economy needs so desperately. Everyone you send to hvccpetition.com will be indebted to you for looking out for their best interest. We won the first of three battles which is more than anybody thought could happen and if we get serious and rally together now for one last massive push we should be able to put HVCC behind us forever. Thank you for your time, effort and support. Click here to see our interview with the president of NAMB thinkbigworksmall.com/mypage/player/tbws/19036/-4592
hvccpetition.com

IMPORTANT: News on Extension of 1st Time Home Buyer Tax Credit

Tax Credit Update: October 27, 2009 The United States Senate is expected to vote, later today, on a bill to extend Unemployment Insurance benefits. This bill will contain the Dodd - Lieberman - Isakson Amendment to extend and expand the $8,000 First Time Homebuyer Tax Credit. The Extended and Expanded Tax Credit will contain the following provisions:
Amount: $8,000
Eligibility: ALL HOME BUYERS (Step-up buyers will have to have lived in their current home for SEVEN* years to be eligible)
Income Limits: $125,000 for single filers/$225,000 for joint filers
Time Frame: December 1, 2009 to April 30, 2010 plus 60 Day extension if binding contract is in place by April 30, 2010
*The 7 year ownership requirement is designed to lower the "score" or cost of the tax credit. This is still open to change. The Congressional Budget Office is going to "score" the cost of 3 year and 5 year requirements. We are continuing to push for step-up buyers to be required to be in their current home for three year period. Stay tuned...

You Know The Bank Inventory We Were Waiting For? It's Not Coming!

Short Sales or No Sales: You decide the fate of your real estate career.
At the most recent REO Conference in Dallas, a local REO agent observed Asset managers packing up boxes and being ushered out of their areas. When he asked what was happening, he was told that they had been transferred to loss mitigation. Apparently the banks have learned much in the past two years and here is how it breaks down:
1.) They were able to push legislation through in April that allows them to delay reporting losses until they have listed an asset. (If they don't list it - it doesn't exist to potential stock investors)2.) They collectively have a controlling interest in the majority of inventory across the nation. (They can influence values in the marketplace by controlling the timing of the release of the inventory - they can release the supply to meet the demand and maintain values)
3.) It costs them more in maintenance, dilapidated condition, potential vandalism, and theft to foreclose than it does to help a homeowner to sell short. Selling short also yields higher average sale prices.
What it means:
1.) we no longer have to be upset with ourselves for not getting into the bank owned side of our business.Our local REO agent was told to downsize his staff. Call any REO agent's office and ask them how many listings they have. Their inventories are down to a fraction of what they were. The good news is; this means we have every advantage to do as well or better in the Real Estate industry than the REO agents we thought had it made. The bad news is we are still going to have to earn it.
2.) Banks are going to initiate another moratorium on foreclosures and standardize short sale processes utilizing a new web platform on REO Trans.We will have to have short sale training. We will have to do short sale business or find another career. We will have to be registered on REO Trans and pay for the training they offer or we will not be ranked and our customers will be given other agents to choose from that have more impressive qualifications.
3.) We will be expected to be expert advisors to consumers and those who aren't will perish in this new industry.

Give Sellers the Real Picture

Under $250,000 is moving well
Over $250,000 market continues to decline
Advise Sellers to price accordingly:

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Are Buyers Really Liars?

We can't be on call 24/7, we can't be in two places at once, & we won't create more hours in the day. So how, in a sea of people with real estate licenses, do we position ourselves to be the chosen? Be better and prove it! Proving value is something we really haven't had to address in our industry until now. Let's face it, in the old real estate industry, we could get a call, jump in the car, and one in four people would actually buy something. We would earn money by default. Purchasers didn't care what we had to offer because they weren't paying us anyway. We have conditioned them to think that our only value is being available. If availability is all we have to offer, buyers & sellers alike have no reason to be loyal. Build your value or kiss your career goodbye! Stay tuned for the how!