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.

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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.