A man had tickets for 50-yard line seats for the Super Bowl. As he sits down, a young man comes down and asks if anyone is sitting in the seat next to him.

"No," he says, "The seat is empty."

"This is incredible," says the young man. "Who in their right mind would have a seat like this for the Super Bowl, the biggest sporting event in the world, and not use it?"

He says, "Well, actually, the seat belongs to my wife, but she passed away. This is the first Super Bowl we haven't been together since we got married in 1970."

"Oh...I'm sorry to hear that. That's terrible. But couldn't you find someone else, a friend or relative, or even a neighbor to take the seat?"

The man shakes his head. "No, they're all at the funeral."

After thirty-two years of working in the public sector, three fantastic years of retirement, and years of trying to develop a consistently respectable golf game, I determined I needed something more to occupy my time. A career in real estate, I thought, would be a great way to meet and interact with people, to get outside and enjoy the great outdoors, and to assist people with their real estate desires.

I enrolled in real estate classes in an attempt to prepare for the California Real Estate examination. After studying and trying to keep pace with the younger people in those classes, the time has come for me to display what I have learned (final exam). It is my hope that I have retained enough to impressively perform during the final examination, satisfy the requirements for the state examination, and as importantly, not embarrass myself. It has proven to be a challenging and rewarding experience. I've had the opportunity to meet, study with and learn from some dedicated real estate professionals.

I hope my future communication is one that reports I've accomplished my objectives.  

As the result of a recent lecture, it is my understanding that architects receive the lowest pay in the building industry. It's rather difficult to believe that the professional that designs buildings, and advises relative to and guides a plan or undertaking in the construction of buildings, pay is near the bottom of the scale. It was reported that few of the persons that enter college to study architecture remain in the profession. It was said that due to liability, and other overhead factors it is better for an architect to engage in the business activity of consulting or as an independent contractor, than to open and operate his/her own business.

Although appraisers try to be objective, subjective considerations are part of every appraisal. In the end, the appraiser's conclusions are only opinions of value. If you get a low appraisal and you genuinely believe the appraiser is mistaken, you can appeal the appraisal by submitting a request for reconsideration of value to the lender. With the proper documentation, you may be able to get the appraised value increased, possibly to the figure that the buyer and settler originally agreed.

1. Eighteen holes of match play will teach you more about your foe than eighteen years of dealing with him across a desk. - Grantland Rice

2. Golf appeals to the idiot in us and the child. Just how childlike golf players become is proven by their frequent inability to count past five. - John Updike

3. It is almost impossible to remember how tragic a place the world is when one is playing golf. - Robert Lynd

4. If profanity had any influence on the flight of the ball, the game of golf would be played far better than it is. - Horace G. Hutchinson

5. They say golf is like life, but don't believe them. Golf is more complicated than that. - Gardner Dickinson

6. If a lot of people gripped a knife and fork as poorly as they do a golf club, they'd starve to death. - Sam Snead

7. Golf is a day spent in a round of strenuous idleness. - William Wordsworth

8. If you drink, don't drive. Don't even putt. - Dean Martin

9. If you are going to throw a club, it is important to throw it ahead of you, down the fairway, so you don't have to waste energy going back to pick it up. - Tommy Bolt

10. Man blames fate for all other accidents, but feels personally responsible when he makes a hole-in-one. _ Bishop Sheen

11. I don't say my golf game is bad, but if I grew tomatoes they's come up sliced. - Arnold Palmer

12. My handicap? Woods and irons. - Chris Codiroli

13. The ardent golfer would play Mount Everest if somebody would put a flag stick on top. - Pete Dye

14. I'm hitting the woods just great; but having a terrible time getting out of them! - Buddy Hackett

15. The only time my prayers are never answered is playing golf. - Billy Graham

16. If you think it's hard to meet new people, try picking up the wrong golf ball. - Jack Lemmon

17. It's good sportsmanship to not pick up lost golf while they are still rolling. - Mark Twain

18. Don't play too much golf. Two rounds a day are plenty. -  Harry Vardon

20. If I hit it right, it's a slice. If I hit it left, it's a hook. If I hit it straight, it's a miracle. - All of Us Hackers

21. The difference in golf and government is that in golf you can't improve your lie. - George Deukmejian

22. Golf is a game invented by the same people who think that's music coming out of a bagpipe. - Lee Trevino  

The Notary Signing Agent meets with the borrower at a designated location, ensures that the borrower signs, initials and dates loan documents in all appropriate places and notarizes the borrower's signature. Once this is completed, it is Notary Signing Agent's responsibility to see that the signed and notarized loan documents are delivered to the closing agent or other designated office.

There are three main credit reporting agencies used by the mortgage industry. It is necessary to contact one of them to obtain a credit report, along with your credit scores, and make a credit check of your credit history. You will need to go through the process of obtaining a credit report on yourself and your spouse, if you have one. The credit score contained within the credit report is used to determine your credit worthiness.

The three leading credit reporting agencies that you can choose from to obtain your credit history report are listed below:

Equifax Information Services   P.O. Box 740241   Atlanta, GA 30374-0241  1-800-378-2732

Trans Union Corporation   P.O. Box 390   Springfield, PA 19064-0390  1-800-916-8800

Experian    P.O. Box 9701    Allen, TX 75013   1-888-397-3742

 

A woman was leaving a convenience store with her morning coffee when she noticed a most unusual funeral procession approaching the nearby cemetery.

A long black hearse was followed by a second long black hearse, about 50 feet behind the first one. Behind the second hearse was a solitary woman walking with a bull terrier (pit bull) on a leash. Behind her, a short distance back, were about 200 women walking in a single file.

The woman couldn't stand her curiosity. She respectfully approached the woman walking the dog and said, "I am sorry for your loss, and I know now is a bad time to disturb you, but I've never seen a funeral like this. Whose funeral is it?"

"My husband's."

"What happened to him?"

The woman replied, "My dog attacked him and killed him."

She inquired further, "Well, who is in the second hearse?"

The woman answered, "My mother-in-law. She was trying to help my husband when the dog turned on her."

A poignant and thoughtful moment of silence passed between the two women.

"Can I borrow the dog?"

"Get in line!"

A Woman's Prayer

Dear Lord, I pray for:

Wisdom, to understand a man;

Love, to forgive him; and

Patience, for his moods;

Because, Lord, if I pray for

Strength, I'll just beat him to death.

 

AN ANONYMOUS  WOMAN 

Sometimes a buyer may want to get two loans at the same time. One of the loans is a primary loan for most of the purchase price, and the other is used to pay part of the downpayment or closing costs required for the first loan. The second loan is referred to as secondary financing.

Secondary financing can come from a variety of sources. It may come from the same lender who is making the primary loan, it may come from a second lender, it may come from the seller, or it may come from a private third party.

A lender making a primary loan will usually place restrictions on the type of secondary financing arrangement the borrower may enter into. The borrower generally must be able to qualify for the combined payment on the primary and secondary loans. And in most cases the borrower will still be required to make at least a minimum downpayment out of his own funds.

Mid-life is when you go to the doctor and you realize you are now so old, you have to pay someone to look at you naked....

You know you are getting old when you feel bad in the morning....without having any fun the night before!

Laugh a little each day...it's better than chicken soup. At least, that's what the chickens say...

A man in his early forties recently said, "Everybody over fifty has some kind of ache and pain, and takes some type of medication....!"