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Statistics Show How to Make a Lasting First Impression!
A good first impression is the way to start a great relationship. A negative first impression can often be overcome, but why give yourself the extra work?
Statistics from psychological studies show what to do to make a first impression that will last.
1. Watch what you wear. First impressions are formed within 7 to 17 seconds of meeting someone and 55% of a person's opinion is driven by physical appearance. Dress conservatively when meeting for the first time, even if you're in a "creative" office environment. Don't use accessories, perfumes, hair styles and shoes that call attention to themselves.
2. Edit your body language. 93% of our judgment of others is based on non-verbal input. Watch your posture when standing and sitting. Use a firm hand shake. Maintain eye contact. Sitting too casually says you don't care. Crossing your arms says you're bored. Every so often, check how you're positioned--and make necessary adjustments.
3. Watch what you say. Words also make powerful first impressions--in fact, 7% of what we think of people is based on what they say. Before your first meeting, decide how you want to come across--confident, optimistic, innovative. Then list the words that convey these traits and keep them at the ready to use in conversation.
4. Use the other person's name. A study of personalized marketing showed that addressing prospects by name increased response 36%! Use the other person's name as soon as you learn it and repeat it throughout the conversation. Afterwards, write them a note mentioning everyone you met by name. Getting people's names right makes them want to connect with you.
5. Use an appealing tone of voice. 38% of a person's first impression is determined by your tone of voice. Getting the right tone of voice isn't easy--you may want to be confident but not brash, enthusiastic but still relaxed, focused but not obsessed. Listen to yours and others' tone of voice and practice speaking in a tone that reflects how you want to be regarded.
6. Be on time. The way to never be late is to always plan on being 15 minutes early. You'll need that 15 minutes if you get lost or stuck in traffic. And when you do get there early, you can use the extra time to collect your thoughts about what you're going to do to make that lasting first impression.
7. Bring printed materials. If it's appropriate, have on hand printed copies of resumes, proposals, statistics, case studies and business cards.
8. Put the focus on THEM. You'll come off as self-centered if you talk too much about yourself. Before you meet, write down all the things you want to know about the other person--their goals, needs, where they're at now. You don't have to go deep the first meeting; just show interest in making a connection.
9. Listen well. Time and again, studies show listening is one of the top skills needed for business success. On average, people only retain 50% of what they hear. Focus on doing better than that. Listening well makes it easy to keep the conversation going. Comment on what the other person says. Ask follow up questions.
10. Research them. Find out as much as you can about the person you want to impress before you meet them. If you can ask intelligent questions, it shows you have some understanding about their situation and makes a very positive first impression. Check out social media to find mutual interests or friends that will spark instant chemistry.
11. Watch the jokes. People's response to humor varies, so skip anything controversial or sarcastic. Save the jokes for later when you know the person's sensitivities.
12. Relax! Be at ease and be yourself. Let the other person know the real you, a person far more appealing than someone who's stressed out trying to make a great first impression. Before your meeting, do something you like--listen to music, go to the gym. Give yourself a pep talk or call a friend for support. And if something trips you up in the meeting, don't panic. Just pause, take a breath and continue. Never assume you're blowing it--you really don't know what the other person is thinking!
With just a little practice, you can leave people with a wonderful first impression every time.... Have a great month!
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Top Ten Tips for saving money in today's economy...
One good outcome of the economic recovery is that people are becoming more careful with how they spend their money. For many of us, this means acquiring new financial habits. Here are our Top Ten Tips for stretching a dollar today. The first four are good overall things to do:
1. Create a budget. Drawing up a budget may not be anyone's favorite way to pass the time, but it sure pays off when it comes to saving money. You can't cut expenses without knowing what you have coming in and how it's going out. Making a budget instantly highlights the places where you might make some cuts. Without a budget, it's hard to keep saving money over a long period of time, because you don't see where your expenses may be going up.
2. Trim your debt.
3. Spend less. Review what you spend on everything, and look for opportunities to save money. For example, check with your phone company for cheaper rates and cellular calling plans. Think about cutting out newspaper delivery or magazine subscriptions you don't really need. Bring coffee to work in a thermos. Use the public library instead of buying books and renting movies. These things all add up--and the more you look for opportunities to save, the more you'll uncover.
4. Save more.
These next six tips give you some great specifics:
5. Buy in bulk. Plan meals in advance so you can take advantage of bulk savings. Cook in bulk so you have leftovers you can re-heat quickly when you're in a hurry instead of using more expensive convenience foods. Buy fresh ingredients and generics for any prepared foods you need. But make sure what you buy in bulk will be used before it goes bad. Throwing food away doesn't save you money.
6. Compare places to shop.
7. Check sales carefully. Many "huge" mark downs are just creative marketing ploys--the items aren't selling at the lowest price out there. Try to check out "sale" prices from a range of different sources. Especially with high ticket items, make sure the price you're paying isn't lower somewhere else.
8. Eat in.
9. Consider buying used. Cars on average lose a third of their value in the first two years, so buying a car that's twenty-four months old can save big money. Many items can be found "as good as new" in consignment shops, thrift shops and on the internet. The list is extensive: clothes, electronics, kitchen appliances, pots and pans, toys, gardening tools, musical instruments, outdoor sheds, to name a few. And you not only save money, you're also preventing perfectly useful items from packing our landfills.
10. Reduce your consumption.
Always remember, little things can quickly add up to huge savings. And for savings relating to home financing or refinancing, please feel free to call or email us with any questions. We're always glad to talk....
Have a great day! In addition to buying used items, think about using fewer things overall. If we could all consume less, we'd create less waste, use less energy AND save money. Turn down the thermostat and turn off lights around the house. Don't waste food. Don't use more shampoo, detergent and household cleaners than you need to get the job done. You'll be good to your wallet while being good to our planet. Have your beverages at home too. A take out cup of coffee can cost twenty times what it does to make at home. So think before you buy a soda or coffee or grab that fast food you don't really need. Have something more nutritious at home and save money. Enjoy that nice meal out, of course, but that's a special event, not an impulse purchase. Don't assume big box superstores have the best prices. Check out farmer's markets where buying direct from the producer can save money. Bulk buying can also work well here, letting you save on staples like corn, potatoes and rice. Local shops and smaller markets can also run specials that offer outstanding value--you just have to watch for ads and signs in windows. Get into the habit of regularly putting money away each week or each month. It doesn't matter how small the amount, you can always increase it once you find yourself with more on hand from your other money saving efforts. Saving itself motivates you to keep at it, as you watch your nest egg grow. You might want to have a regular amount deducted from your paycheck and deposited directly into your savings account. Many people find this a painless way to quickly build up cash assets.Credit cards are certainly convenient. But you want to minimize what you owe, as credit cards usually carry the highest interest rates. Watch what you spend with these cards--this is where that budget comes in--and make it a rule to pay off your outstanding balances each month. This can save you big money by eliminating those monthly interest charges.
415 Hwy 95A, Suite K-1102
Fernley, NV 89408
Phone: (775) 575-1744
Mobile: (775) 830-4398
Toll Free: (866) 412-1740
Fax: (866) 254-0558
my website
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April Diehl
Loan Officer
415 Hwy 95A, Suite K-1102
Fernley, NV 89408
Phone: (775) 575-1744
Mobile: (775) 830-4398
Toll Free: (866) 412-1740
Fax: (866) 254-0558
my website
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Secrets of the "elevator pitch"--
how to tell your story inside a minute
The elevator pitch, or EP, describes what you do or tells a short story about your product, service or business experience. The goal is to get someone interested in hiring you or otherwise helping your business.
You should be able to deliver an EP in the time it takes for an average elevator ride--30 to 60 seconds or the length of most TV commercials.
An EP is perfect for when you and your target are in a captive environment--in an elevator, in line or at a conference or networking event. The goal is to get the person to want to learn more about what you do.
The ideal EP captures the person's imagination and tells them the benefits and results you deliver. Remember, when someone asks what you do, they really mean, "What can you do for me?"
But be careful, an EP isn't a 30-second laundry list of capabilities. It's just a peek into what you do. Here's how to put one together:
--think of some different, clever ways to express it. Put down as many ideas as you can come up with. Don't use industry jargon or technical terms. Next, tell what you do for people as a very short story. Try to paint a picture with words.
· Describe what you do
· Now put the best pieces together.
· Run your EP by as many people as possible
· When you have a written version of an EP you want to use, memorize and rehearse it until it sounds UN-rehearsed and genuine.
· Revise and improve it.
· Take a fresh look at your EP at least once a year,
· Be enthusiastic, compelling and confident. But always remember that you're in a conversation with someone, so be ready to pause for a question or comment--and try to engage them with a question at the end.
With a little time and effort, you can create an elevator pitch that will really pull in the business.... Have a great month!
because these days, everything changes quickly--your clients' needs, your goals, interests and capabilities. As time goes on, put together different versions of your EP for different people--referrals versus prospects, for example. If you read, hear or think of a phrase that could make your EP more clear and powerful, jot it down, work it in and test it out. --colleagues, clients, friends, family--to get feedback and hone your story. Take your best descriptions of what you do and why people should want to hire you. Try to include elements from your story if you can fit them in. |
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This e-mail is an advertisement for April Diehl. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice, or a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in the newsletter is the property ofPrimeLending, A PlainsCapital Company and cannot be reproduced for any use without prior written consent. It is designed for real estate and other financial professionals only. It is not intended for consumer distribution. The material does not represent the opinion of PrimeLending, A PlainsCapital Company. © 2011 PrimeLending, A PlainsCapital Company. Trade/service marks are the property of PlainsCapital Corporation, PlainsCapital Bank, or their respective affiliates and/or subsidiaries. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. All rights reserved. PrimeLending, A PlainsCapital Company (NMLS no: 13649) is a wholly-owned subsidiary of a state-chartered bank and is an exempt lender in the following states: AK, AR, CO, DE, FL, GA, HI, ID, IA, KS, KY, LA, MN, MS, MO, MT, NE, NV, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY. Licensed by: AL State Banking Dept.- consumer credit lic no. MC21004; AZ Dept. of Financial Institutions- mortgage banker lic no. BK 0907334; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act- lender lic no. 4130996; CT Dept. of Banking- lender lic no. ML-13649; D.C. Dept. of Insurance, Securities and Banking- dual authority lic no. MLO13649; IL Dept. of Financial and Professional Regulation- lender lic no. MB.6760635; IN Dept. of Financial Institutions- sub lien lender lic no. 11169; ME Dept. of Professional & Financial Regulation- supervised lender lic no. SLM8285; MD Dept. of Labor, Licensing & Regulation- lender lic no. 11058; Massachusetts Division of Banking- lender & broker license nos. MC5404, MC5406, MC5414, MC5450, MC5405; MI Dept. of Labor & Economic Growth- broker/lender lic nos. FR 0010163 and SR 0012527; Licensed by the New Hampshire Banking Department- lender lic no. 14553-MB; NJ Dept. of Banking and Insurance-lender lic no. 0803658; NM Regulation and Licensing Dept. Financial Institutions Division- lender license no. 01890; ND Dept. of Financial Institutions- money broker lic no. MB101786; RI Division of Banking- lender lic no. 20102678LL and broker lic no. 20102677LB; TX OCCC Reg. Loan License- lic no. 7293; VT Dept. of Banking, Insurance, Securities and Health Care Administration- lender lic no. 6127 and broker lic no. 0964MB; WA Dept. of Financial Institutions-consumer lender lic no. 520-CL-49075. PrimeLending, A PlainsCapital Company is an Equal Housing Opportunity Lender. NMLS# 176918
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This email was sent to adiehl@primelending.com.
You may unsubscribe from future advertisement e-mails from April Diehl.
Click here to unsubscribe :: please DO NOT change the subject line of the email, send it as it is.
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Fire! Be prepared to escape a burning home...
Fires in American homes are more prevalent than most people realize. The U.S. Fire Administration says a home fire is reported to a fire department once every minute. And, sadly, on average 2,600 people lose their lives and 13,000 are injured in home fires each year.
When a fire occurs, only one thing matters-getting everyone safely out. To make sure that happens, there are several things you can do now and they're all summed up by the Boy Scout motto: "Be prepared."
Your early warning system
You want to know something's burning before you see flames dancing at your feet. Smoke detectors are the best early warning systems we have and they're relatively inexpensive and easy to install. At minimum, put one detector in a central location on each floor. Ideally, put one outside the door of each room where people sleep. Then be sure to change the batteries every year-pick a date to do it and mark it on your calendar.
Your escape plan
Figure out the escape routes from every room in the house. Involve the whole family, making sure they're aware of all the issues...
· First, exit right away
A note about escape ladders.
When escaping a fire through a window, you need a ladder above the ground floor. Every upstairs sleeping room should have an escape ladder and each family member should know how to use it.
· The basic escape ladder
, which costs the least, requires you to open the window, hook it over the sill, drop the rungs and climb down to safety. Unfortunately, this type of ladder often gets put away where it's hard to find in a fire. And some are single-use rated, so you can't practice on them.
· For these reasons, more and more people are opting for a permanently installed escape ladder, which costs a little more. It goes under the escape window in a can in the wall, so it's hardly noticeable, but there if you need it. And it's reusable, so everyone can practice opening, deploying and going down it. You just cut a hole in the drywall and bolt in the can between two 16-inch on center studs. Over it all goes a door that can be papered or painted to match the room.
Smoke detectors and escape ladders are available at hardware stores, home centers and online. Look into them now, talk to your family about escape routes and a meeting place and sleep better tonight!
Please feel free to call or email us about any matters, particularly those relating to home financing or refinancing. We're always glad to talk.... Have a great day!
People, not possessions, are important. If you're alerted to a fire, stop what you're doing and get out. Don't take time to grab belongings or call 911. You can do that from a cell phone outside or from a neighbor's house.
· Don't expect to use the door
In a fire you may not be able to leave through the door. That's why you need two ways to escape from every room. If there are two doors, practice escaping through each of them. If a door is closed, touch the surface or the knob with the back of your hand to see if it's hot. If cool, open it slowly and check for smoke. If heat and smoke start rushing in, close the door immediately and pick another exit. If there's just one door, you'll have to use a window, so see where each one takes you-onto the ground, over to a roof, onto a deck or down an escape ladder.
· Learn your routes.
Know how each emergency route out of the house goes. In the chaos of a fire, it's easy to get disoriented, particularly at night. Have all family members learn and practice the escape routes from each room, all the way to the outside.
· Pick a meeting place.
Agree on a precise, easy to find meeting place outside, where everyone can safely gather until all are accounted for. This could be in front of a neighbor's house, at the end of the driveway or at some other location. A meeting place lets you quickly know who is safe and avoids needlessly risking injury by going back into the house looking for someone who's already out.
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April Diehl
Loan Officer
415 Hwy 95A, Suite K-1102
Fernley, NV 89408
Phone: (775) 575-1744
Mobile: (775) 830-4398
Toll Free: (866) 412-1740
Fax: (866) 254-0558
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For the week of March 21, 2011 - Vol. 9, Issue 12
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>> Market Update
QUOTE OF THE WEEK..."To a journalist, good news is often not news at all."--Phil Donahue
INFO THAT HITS US WHERE WE LIVE...Well, journalists had plenty of their kind of news to write about with last week's housing reports. The bad stuff began with February Housing Starts dropping 22.5% to a level close to the April 2009 low, which was the lowest on record. Most of the drop was from multi-family starts, which are volatile on a monthly basis. Single-family starts were down 11.8%. New Building Permits fell 8.2% for February. This gauges activity a few months out, indicating starts in the Spring ought to be up a bit from now.
Nonetheless, experts feel building and sales activity should normalize to much higher rates in the next few years. The population is growing and aging housing stock needs to be replaced. Analysts say builders usually need to put up at least one million homes a year to keep up with these demands. Maybe that's why an industry index of builder sentiment actually ticked up a point for March, putting it at its highest level since May 2010, when the homebuyer tax credits were making everyone feel good.
BUSINESS TIP OF THE WEEK...Don't forget to smile. You may think people buy from you because of price, quality and the fact you stand behind your work. Those factors count, but ultimately, people buy because they like you.
>> Review of Last Week
MELTDOWN ON WALL STREET...As of Friday, a nuclear disaster at Japan's Fukushima complex had been averted, but that didn't stop stocks from having their own meltdown. Investors sold off holdings, worried over Japan's nuclear crisis, Libya's civil war spreading to other oil producers, as well as the European Union's lingering sovereign debt problems. The market did manage two good days at the end, but they weren't good enough to prevent another weekly drop in all three major indexes, although many people felt things could have been a lot worse.
Economic news was mixed, the negative part being Housing Starts and Building Permits, covered above. On the very positive side was the Philadelphia Fed Index for March showing solid manufacturing growth in that region. Wholesale (PPI) and Consumer (CPI) Inflation were both up more than expected, thanks to higher energy and food prices. But the Fed focuses on Core CPI, which eliminates food and energy, and remains within an acceptable range. It seems like almost everyone but the Fed is concerned about inflation picking up. Homebuyers should note that real estate is still, even now, an excellent hedge against inflation over the long term.
For the week, the Dow ended down 1.5%, at 11,859; the S&P 500 was down 1.9%, to 1,279; and the Nasdaq was down 2.6%, ending at 2,644.
With Japan's nuclear fears prominent in the news all week, investors' "flight to safety" in bonds became a flat-out run. The FNMA 4.0% bond we watch ended up .95 for the week, closing at $99.10. In line with this, Freddie Mac's weekly survey of conforming mortgages showed national average mortgage rates easing a little more in their historically low range. Many economists forecast mortgage rates to rise this year as the economy recovers, but now feel low rates may remain a tad longer than expected.
DID YOU KNOW?...This week's GDP estimate refers to our nation's Gross Domestic Product. This is the total final value of all U.S. goods and services produced in a year: all consumer, investment and government spending, plus the value of all exports, minus the value of all imports. GDP growth is what counts, with 2.5% to 3.0% the historical average.
>> This Week's Forecast
FEBRUARY HOME SALES AND ANOTHER LOOK AT Q4 GDP...February isn't usually a top month for home sales and the experts don't expect that situation to change. Monday's Existing Home Sales for February are expected to be down from January, coming in at a 5.05M annual rate. But Wednesday's New Home Sales for February should be up slightly from the prior month, at a 288K annual rate.
But the overall economic picture appears to be picking up. The Third Estimate of Q4 GDP is forecast up another 0.1%, to 2.9%, showing that the overall economy continues to grow. Consumers' attitudes are holding steady in the University of Michigan's Sentiment Index for March.
>> The Week's Economic Indicator Calendar
Weaker than expected economic data tends to send bond prices up and interest rates down, while positive data points to lower bond prices and rising loan rates.
Economic Calendar for the Week of March 21 - March 25
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Date
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Time (ET)
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Release
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For
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Consensus
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Prior
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Impact
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M
Mar 21
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10:00
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Existing Home Sales
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Feb
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5.05M
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5.36M
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Moderate
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W
Mar 23
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10:00
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New Home Sales
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Feb
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288K
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284K
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Moderate
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W
Mar 23
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10:30
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Crude Inventories
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3/19
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NA
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1.745M
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Moderate
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Th
Mar 24
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08:30
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Initial Unemployment Claims
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3/19
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384K
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385K
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Moderate
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Th
Mar 24
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08:30
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Continuing Unemployment Claims
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3/9
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3.700M
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3.706M
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Moderate
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Th
Mar 24
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08:30
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Durable Goods Orders
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Feb
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0.9%
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3.2%
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Moderate
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F
Mar 25
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08:30
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GDP-Third Estimate
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Q4
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2.9%
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2.8%
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Moderate
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F
Mar 25
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08:30
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GDP Deflator-Third Estimate
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Q4
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0.4%
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0.4%
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Moderate
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F
Mar 25
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09:55
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Univ. of Michigan Consumer Sentiment-Final
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Mar
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68.0
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68.2
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Moderate
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>> Federal Reserve Watch
Forecasting Federal Reserve policy changes in coming months...The Fed's FOMC Policy Statement last week said that they weren't worried about inflation and that although the economy is improving, the recovery isn't strong enough to withstand a rise in interest rates. So economists are forecasting the Funds Rate to stay where it is well into the second half of the year. Note: In the lower chart, a 1% probability of change is a 99% certainty the rate will stay the same.
Current Fed Funds Rate: 0%-0.25%
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After FOMC meeting on:
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Consensus
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Apr 27
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0%-0.25%
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Jun 22
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0%-0.25%
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Aug 9
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0%-0.25%
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Probability of change from current policy:
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After FOMC meeting on:
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Consensus
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Apr 27
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<1%
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Jun 22
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<1%
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Aug 9
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2%
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Dce
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This e-mail is an advertisement for April Diehl. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice, or a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in the newsletter is the property of PrimeLending, A PlainsCapital Company and cannot be reproduced for any use without prior written consent. It is designed for real estate and other financial professionals only. It is not intended for consumer distribution. The material does not represent the opinion of PrimeLending, A PlainsCapital Company. © 2011 PrimeLending, A PlainsCapital Company. Trade/service marks are the property of PlainsCapital Corporation, PlainsCapital Bank, or their respective affiliates and/or subsidiaries. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. All rights reserved. PrimeLending, A PlainsCapital Company (NMLS no: 13649) is a wholly-owned subsidiary of a state-chartered bank and is an exempt lender in the following states: AK, AR, CO, DE, FL, GA, HI, ID, IA, KS, KY, LA, MN, MS, MO, MT, NE, NV, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY. Licensed by: AL State Banking Dept.- consumer credit lic no. MC21004; AZ Dept. of Financial Institutions- mortgage banker lic no. BK 0907334; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act- lender lic no. 4130996; CT Dept. of Banking- lender lic no. ML-13649; D.C. Dept. of Insurance, Securities and Banking- dual authority lic no. MLO13649; IL Dept. of Financial and Professional Regulation- lender lic no. MB.6760635; IN Dept. of Financial Institutions- sub lien lender lic no. 11169; ME Dept. of Professional & Financial Regulation- supervised lender lic no. SLM8285; MD Dept. of Labor, Licensing & Regulation- lender lic no. 11058; Massachusetts Division of Banking- lender & broker license nos. MC5404, MC5406, MC5414, MC5450, MC5405; MI Dept. of Labor & Economic Growth- broker/lender lic nos. FR 0010163 and SR 0012527; Licensed by the New Hampshire Banking Department- lender lic no. 14553-MB; NJ Dept. of Banking and Insurance-lender lic no. 0803658; NM Regulation and Licensing Dept. Financial Institutions Division- lender license no. 01890; ND Dept. of Financial Institutions- money broker lic no. MB101786; RI Division of Banking- lender lic no. 20102678LL and broker lic no. 20102677LB; TX OCCC Reg. Loan License- lic no. 7293; VT Dept. of Banking, Insurance, Securities and Health Care Administration- lender lic no. 6127 and broker lic no. 0964MB; WA Dept. of Financial Institutions-consumer lender lic no. 520-CL-49075. PrimeLending, A PlainsCapital Company is an Equal Housing Opportunity Lender. NMLS# 176918
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This email was sent to adiehl@primelending.com.
You may unsubscribe from future advertisement e-mails from April Diehl.
Click here to unsubscribe :: please DO NOT change the subject line of the email, send it as it is.
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April Diehl
Loan Officer
415 Hwy 95A, Suite K-1102
Fernley, NV 89408
Phone: (775) 575-1744
Mobile: (775) 830-4398
Toll Free: (866) 412-1740
Fax: (866) 254-0558
my website
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Conventional vs. Government Loans
FHA, VA, and RHS mortgages are government loans.
All other mortgages are conventional loans.
FHA loans are administered by the Federal Housing Administration (FHA), part of the U.S. Dept. of Housing and Urban Development (HUD). FHA administers mortgage loan programs with lower down payment requirements that are easier to qualify for than conventional loans. FHA loans can't exceed the statutory limit. The loans are made by private lenders and insured by FHA. FHA loans are attractive to first-time home buyers, lower-income borrowers, and those with limited down payments.
VA loans are also made by private lenders, but are guaranteed by the U.S. Dept. of Veterans Affairs (VA). This guarantee allows veterans and service personnel to obtain a home loan with favorable terms and usually without a down payment. It's easier to qualify for a VA loan than a conventional one, but lenders generally limit the maximum amount. The VA determines your eligibility, but you still apply to private lending institutions.
RHS loans are guaranteed by the U.S. Dept. of Agriculture for rural properties. Let us help you determine if you qualify.
Conventional loans are either conforming or non-conforming. Conforming mortgages offer a lower rate, but must conform to certain maximum limits and guidelines. Non-conforming,
jumbo mortgages are for amounts above the conforming loan limits and have a higher interest rate.
If you'd like more information about any of these loans for your home purchase or refinance, please call us or reply to this email. We're happy to put together the perfect solution for your special situation...and best wishes in this and all your endeavors!
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Get a jump on your taxes...
how to get organized for filing that return!
Nobody takes in more money than the Internal Revenue Service -- and they do it without giving us any pleasure for our efforts! We can't make doing your taxes fun, but we can give you some tips to take the pain out of tax preparation. The key is to do a little advanced planning and organization. And if you know what information you'll need, it will speed up the process of doing your return -- and getting your refund!
Organize your papers and files. It's a good idea to have a system for managing your finances. It doesn't matter if it's simple or sophisticated, just that it's an approach you'll actually use. Many people like a basic three-folder system they keep up with year-round.
* Folder 1-Income: Salary, dividends, earnings, distributions, checking account interest; and don't forget the 1099 Form you got when you redeemed that savings bond.
* Folder 2-Expenses and Deductions: Make files for major categories like contributions, medical, and business expenses; put in canceled checks, bills, statements and receipts, mortgage statements, investment-related expenses, medical bills, child-care costs, and non-reimbursed business expenses for things like gas, food, and lodging.
* Folder 3-Investments: This can include investment account statements, 1099 Forms, and K-1 Forms for certain trusts or partnerships; ask a CPA or Financial Advisor for advice, as you should with all tax questions..
There are also some easy-to-use software programs. Just go online, search "tax preparation programs" and check out what's available.
Don't procrastinate. Get started now! Putting off preparing your tax return until April 14 is never a good idea. There 's a greater possibility you'll make mistakes. And if you're working with a tax preparer, that person may not have time to complete your return by the deadline. Even if you file for an extension, you'll still have to pay what you owe by April 15 to avoid penalties and interest. And if you're due a refund, you'll have to wait.
Use a professional. If you're overwhelmed just organizing your papers, hire a professional to do your return. This is an especially good idea if your tax situation is the least bit complex, including lots of investments, the purchase or sale of a business, or a 1031 exchange of property that defers capital gains or losses. Ask a CPA or Financial Advisor for advice.
Get free help from the IRS. Go to www.irs.gov and download IRS Publication 17 (2010): Your Federal Income Tax, available in both English and Spanish. This is the authority for answers to lots of tax questions. There's also a toll-free IRS TeleTax service at 800-829-4477 with recorded messages on lots of topics. Any other questions can get answers at the IRS help line: 800-829-1040.
Search around the IRS website. You'll find a truly mammoth site at www.irs.gov. It offers forms, instructions, and publications to download; you can find information on tax law, plus answers to frequently asked tax questions. The best way to navigate your way through all this is to click on "Site Map", "Individuals", and then "1040 Central" for a more manageable range of options.
So get started now! And good luck!
Feel free to call or email us about any matters, particularly those relating to home financing or refinancing. We're glad to talk further.... Have a great day!
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This e-mail is an advertisement that was sent to you because of your relationship with April Diehl. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice or a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in the newsletter is the property of PrimeLending, A PlainsCapital Company and cannot be reproduced for any use without prior written consent. PrimeLending, A PlainsCapital Company is an Equal Housing Lender. © 2010 PrimeLending, A PlainsCapital Company. Trade/service marks are the property of PlainsCapital Corporation, PlainsCapital Bank, or their respective affiliates and/or subsidiaries. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. All rights reserved. PrimeLending, A PlainsCapital Company (NMLS no: 13649) is a wholly-owned subsidiary of a state-chartered bank and is an exempt lender in the following states: AK, AR, CO, DE, FL, GA, HI, ID, IA, KS, KY, LA, MN, MS, MO, MT, NE, NV, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY. Licensed by: AL State Banking Dept.- consumer credit lic no. MC21004; AZ Dept. of Financial Institutions- mortgage banker lic no. BK 0907334; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act- lender lic no. 4130996; CT Dept. of Banking- lender lic no. ML-13649; D.C. Dept. of Insurance, Securities and Banking- dual authority lic no. MLO13649; IL Dept. of Financial and Professional Regulation- lender lic no. MB.6760635; IN Dept. of Financial Institutions- sub lien lender lic no. 11169; ME Dept. of Professional & Financial Regulation- supervised lender lic no. SLM8285; MD Dept. of Labor, Licensing & Regulation- lender lic no. 11058; Massachusetts Division of Banking- lender & broker license nos. MC5404, MC5406, MC5414, MC5450, MC5405; MI Dept. of Labor & Economic Growth- broker/lender lic nos. FR 0010163 and SR 0012527; Licensed by the New Hampshire Banking Department- lender lic no. 14553-MB; NJ Dept. of Banking and Insurance-lender lic no. 0803658; NM Regulation and Licensing Dept. Financial Institutions Division- lender license no. 01890; ND Dept. of Financial Institutions- money broker lic no. MB101786; RI Division of Banking- lender lic no. 20102678LL and broker lic no. 20102677LB; TX OCCC Reg. Loan License- lic no. 7293; VT Dept. of Banking, Insurance, Securities and Health Care Administration- lender lic no. 6127 and broker lic no. 0964MB; WA Dept. of Financial Institutions-consumer lender lic no. 520-CL-49075. PrimeLending, A PlainsCapital Company is an Equal Housing Opportunity Lender. NMLS# 176918
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Kick off 2011 with a solid marketing plan!
Experts tell us a marketing plan is key to sustaining the success of a business over the long term. But most small businesses see such a plan as a "nice-to-have" instead of as the crucial document it is.
It's good to look at the state of your enterprise every year, so why not kick off 2011 by putting together a solid marketing plan. It's not that difficult. Just base it on a clear understanding of your customers and competitors by asking yourself four questions.
1. Why would a potential customer use my business? Don't just think about what you offer. Ask yourself what's the core customer need your offering meets. Then ask why or how your offering meets customer needs better than the competition.
2. Who are my target customers? Look at your potential customers and figure out which ones are most likely to buy from you. Describe them in detail. Consider everything -- demographics like age, income, and education; and even psychographics like personality type, favorite hobbies, sports, and other pastimes. This can even help you set sales goals.
3. Who am I competing against? In other words, who else wants your target customers? And who will you take customers from to build your business? Determine the advantage each competitor is selling and how you will answer it. Also think about how competitors might respond to your offering -- with lower prices, bigger communication campaigns, etc.
4. How should I position my brand to my target customers? Write one sentence that says how you will meet customer needs and beat the competition. This statement summarizes what you symbolize as a brand to your customers. Your one-sentence "brand positioning" should be single-minded, focused firmly on your target customers' needs, and highlight your strongest competitive advantage.
Now you're ready to develop realistic, measurable goals for the year and the marketing tactics you'll employ to reach them.
With a comprehensive understanding of customers and competitors it's much easier to come up with compelling messages and offers and determine the best way to deliver them, from the local newspaper to the Web.
Good luck with your marketing plan. It will crystallize your thinking and keep you focused on the main reason you're in business....
For a look at last quarter's rates click here.
Have a great month!
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As your success partner, we're your best source of information about any and all financing options. We're always here to answer questions and to help you take advantage of new opportunities. We see our relationship as an on-going business building opportunity for both of us!
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This e-mail is an advertisement for April Diehl. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice, or a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in the newsletter is the property ofPrimeLending, A PlainsCapital Company and cannot be reproduced for any use without prior written consent. It is designed for real estate and other financial professionals only. It is not intended for consumer distribution. The material does not represent the opinion of PrimeLending, A PlainsCapital Company. © 2010 PrimeLending, A PlainsCapital Company. Trade/service marks are the property of PlainsCapital Corporation, PlainsCapital Bank, or their respective affiliates and/or subsidiaries. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. All rights reserved. PrimeLending, A PlainsCapital Company (NMLS no: 13649) is a wholly-owned subsidiary of a state-chartered bank and is an exempt lender in the following states: AK, AR, CO, DE, FL, GA, HI, ID, IA, KS, KY, LA, MN, MS, MO, MT, NE, NV, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY. Licensed by: AL State Banking Dept.- consumer credit lic no. MC21004; AZ Dept. of Financial Institutions- mortgage banker lic no. BK 0907334; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act- lender lic no. 4130996; CT Dept. of Banking- lender lic no. ML-13649; D.C. Dept. of Insurance, Securities and Banking- dual authority lic no. MLO13649; IL Dept. of Financial and Professional Regulation- lender lic no. MB.6760635; IN Dept. of Financial Institutions- sub lien lender lic no. 11169; ME Dept. of Professional & Financial Regulation- supervised lender lic no. SLM8285; MD Dept. of Labor, Licensing & Regulation- lender lic no. 11058; Massachusetts Division of Banking- lender & broker license nos. MC5404, MC5406, MC5414, MC5450, MC5405; MI Dept. of Labor & Economic Growth- broker/lender lic nos. FR 0010163 and SR 0012527; Licensed by the New Hampshire Banking Department- lender lic no. 14553-MB; NJ Dept. of Banking and Insurance-lender lic no. 0803658; NM Regulation and Licensing Dept. Financial Institutions Division- lender license no. 01890; ND Dept. of Financial Institutions- money broker lic no. MB101786; RI Division of Banking- lender lic no. 20102678LL and broker lic no. 20102677LB; TX OCCC Reg. Loan License- lic no. 7293; VT Dept. of Banking, Insurance, Securities and Health Care Administration- lender lic no. 6127 and broker lic no. 0964MB; WA Dept. of Financial Institutions-consumer lender lic no. 520-CL-49075. PrimeLending, A PlainsCapital Company is an Equal Housing Opportunity Lender. NMLS# 176918
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Things to know about buying a home now...
With the start of the new year, there's lots of talk about where home prices, mortgage rates and home sales in general are headed. If you're thinking about buying a home in the near future, here are some points to ponder:
Prices are now at all-time lows. According to the National Association of Realtors (NAR) housing affordability index, home prices are more affordable now than during any other time in our history going back to 1970. In addition, this time of year is especially good for buyers, because activity has slowed down. The school year in full swing and the holiday season cuts the number of active buyers, so sellers are especially motivated to make a deal.
It's a good time to buy if you plan to stay awhile. A home is still a good investment, just don't expect the house you buy today to deliver a big jump in value right away. The NAR's chief economist says, "Despite very attractive affordability conditions, a housing market recovery will likely be slow and gradual...." But if you plan to stay in your home more than a few years, your investment should beat inflation. According to Department of Labor statistics, for the ten years from 7/1/2000 to 6/30/2010, the average home increased in price 3.4% per year in the US. Inflation measured by the CPI (Consumer Price Index) went up 2.4% per year in the same period.
Mortgage rates are still at historic lows. National average mortgage rates are at their lowest levels in history. You may have heard about rates inching up a little lately, but "inching" is truly the operative word. National average mortgage rates are still below where they were at the start of last year. The important thing to remember is that lower rates increase your buying power by allowing you to qualify for a larger loan amount.
You're in the driver's seat. It's still a buyer's market, so many sellers are prepared to negotiate to close the sale and move on with their lives. Price and appliances for instance are all things that can be up for discussion - you just have to test the waters. But remember, when home prices stabilize and start to head up, sellers won't be in the same bargaining mood. At that point, sellers could regain the upper hand as buyers compete with each other to purchase before prices go up more.
Don't forget the tax benefits. Buying a home gives you some nice tax breaks. Interest on your mortgage and real estate taxes are both tax deductable. If you pay points to reduce your loan's interest rate, that money may also be deductible. Please consult with a tax advisor to find out how these deductions apply to your circumstances.
You want choice? Now you've got it! In many areas of the country, home buyers are feeling like kids in a candy store. There are many nice options to explore. Just don't get overwhelmed. Figure out what you want in a home, a neighborhood that's right and what you can afford to pay - then go enjoy the shopping experience.
It's easy to get started. The first thing to do is to get qualified for a mortgage. This tells you how much money a lender is willing to loan you, so you know exactly what you can afford. Being qualified also strengthens your position when making an offer because the seller knows you're a pre-approved borrower. Please contact us and we'd be happy to help you through this process.
There may never be a better time to buy. One thing's for sure, mortgage rates and home prices won't stay at these historic levels forever. When you find a home you fall in love with, don't let it get away. Remember, you want the best home, not just the best deal, and holding off on a purchase for things to improve, could lose you the home of your dreams.
Feel free to call or email us about these or any matters relating to home financing or refinancing. We're glad to talk further about any of these topics... Have a great day!
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This e-mail is an advertisement that was sent to you because of your relationship with April Diehl. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice or a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in the newsletter is the property of PrimeLending, A PlainsCapital Company and cannot be reproduced for any use without prior written consent. PrimeLending, A PlainsCapital Company is an Equal Housing Lender. © 2010 PrimeLending, A PlainsCapital Company. Trade/service marks are the property of PlainsCapital Corporation, PlainsCapital Bank, or their respective affiliates and/or subsidiaries. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. All rights reserved. PrimeLending, A PlainsCapital Company (NMLS no: 13649) is a wholly-owned subsidiary of a state-chartered bank and is an exempt lender in the following states: AK, AR, CO, DE, FL, GA, HI, ID, IA, KS, KY, LA, MN, MS, MO, MT, NE, NV, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY. Licensed by: AL State Banking Dept.- consumer credit lic no. MC21004; AZ Dept. of Financial Institutions- mortgage banker lic no. BK 0907334; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act- lender lic no. 4130996; CT Dept. of Banking- lender lic no. ML-13649; D.C. Dept. of Insurance, Securities and Banking- dual authority lic no. MLO13649; IL Dept. of Financial and Professional Regulation- lender lic no. MB.6760635; IN Dept. of Financial Institutions- sub lien lender lic no. 11169; ME Dept. of Professional & Financial Regulation- supervised lender lic no. SLM8285; MD Dept. of Labor, Licensing & Regulation- lender lic no. 11058; Massachusetts Division of Banking- lender & broker license nos. MC5404, MC5406, MC5414, MC5450, MC5405; MI Dept. of Labor & Economic Growth- broker/lender lic nos. FR 0010163 and SR 0012527; Licensed by the New Hampshire Banking Department- lender lic no. 14553-MB; NJ Dept. of Banking and Insurance-lender lic no. 0803658; NM Regulation and Licensing Dept. Financial Institutions Division- lender license no. 01890; ND Dept. of Financial Institutions- money broker lic no. MB101786; RI Division of Banking- lender lic no. 20102678LL and broker lic no. 20102677LB; TX OCCC Reg. Loan License- lic no. 7293; VT Dept. of Banking, Insurance, Securities and Health Care Administration- lender lic no. 6127 and broker lic no. 0964MB; WA Dept. of Financial Institutions-consumer lender lic no. 520-CL-49075. PrimeLending, A PlainsCapital Company is an Equal Housing Opportunity Lender. NMLS# 176918
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April Diehl
Loan Officer
415 Hwy 95A, Suite K-1102
Fernley, NV 89408
Phone: (775) 575-1744
Mobile: (775) 830-4398
Toll Free: (866) 412-1740
Fax: (866) 254-0558
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For the week of January 17, 2011 - Vol. 9, Issue 3
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>> Market Update
INFO THAT HITS US WHERE WE LIVE Down in Orlando, Florida, last week there were more housing market forecasts for the year just begun. Bottom line? Housing economists are cautiously optimistic about a recovery during 2011. These economists were presenting their views at the annual meeting of the National Association of Home Builders (NAHB). None of the experts see a robust upturn for housing. But they do feel that home sales, which have been in a bit of a stall, may start to recover soon.
The prevailing opinion is that the residential market should pick up in the spring, thanks to low mortgage rates and home prices at bargain levels. The NAHB's chief economist feels that recent economic indicators are "signifying growing consumer confidence." These indicators include job creations, good retail sales, and increasing purchases of big ticket items like cars and furniture. Freddie Mac's chief economist sees home prices bottoming in the first six months. He expects mortgage rates to edge up slightly but still remain at historically low levels. Overall, home sales are forecast to be up from 4% to 10% year-over-year and for new construction to be up by 20%.
>> Review of Last Week
THINGS KEEP LOOKING UP... Investors seem to be more positive about the U.S. economy and the European financial situation. They articulate those views by trading stock prices up and last week, they sent the Dow, the broadly based S&P 500, and the tech-heavy Nasdaq UP by solid percentages. Across the pond, Portugal, Italy, and Spain got some much needed support. Over here, Q4 corporate earnings season got off to a good start, supported by some encouraging economic data.
A slight glitch in the proceedings came from an increase in weekly unemployment claims to 445,000. But the four-week moving average is at 417,000 and continuing unemployment claims dropped by 248,000 to 3.88 million, the lowest it's been since October 2008. Strongly positive economic signs came from a shrinking trade deficit, with exports running ahead of imports over the past year. Inflation appears to be in check, as measured by Core CPI, the Fed's key reading on the matter. This means the Fed Funds rate can stay at its current low levels.
Retail sales were up slightly less than expected for December, but they did reach an all-time high, surpassing the November 2007 figure. For the last year, retail sales are up almost 8% and they've been growing at a 13% annual rate the past three months. In corporate Q4 earnings news, major players Alcoa, JPMorgan Chase, and Intel beat estimates and issued better than expected guidance going forward.
For the week, the Dow ended up 1.0%, at 11,787; the S&P 500 went up 1.7%, to 1,293; and the Nasdaq shot up 1.9%, ending at 2,755.
Bond prices went on an up and down trip last week, with varied results at the finish. The FNMA 4.0% bond we watch ended virtually flat, down 4 basis points for the week, closing at $99.14. According to Freddie Mac's weekly survey of conforming mortgages, average fixed-rate mortgage rates dropped for the second week in a row. The national average rate for 30-year fixed rate mortgages hit a four-week low after their slight uptick at the end of last year.
>> This Week's Forecast
HOUSING, MANUFACTURING, THE ECONOMY OVERALL... Financial markets are closed Monday in observance of Martin Luther King Day. The rest of the week features some measures of the housing market. Wednesday's December Housing Starts and Building Permits will show us the mindset of home builders. Starts are forecast to be down a little, but the weather wasn't conducive to breaking ground in many regions of the country. Permits indicate starts a month or two out and they should be up a little, the same as December Existing Home Sales, coming on Thursday.
Manufacturing is expected to expand in the New York region, as measured by Tuesday's Empire State Index, but Thursday's Philadelphia Fed Index may show a slight manufacturing contraction. Also that day, the Leading Economic Indicators (LEI) Index for December is forecast to continue to improve, although at a slightly slower rate than the previous month.
>> The Week's Economic Indicator Calendar
Weaker than expected economic data tends to send bond prices up and interest rates down, while positive data points to lower bond prices and rising loan rates.
Economic Calendar for the Week of January 17 - January 21
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Date
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Time (ET)
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Release
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For
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Consensus
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Prior
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Impact
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Tu
Jan 18
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08:30
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Empire State Manufacturing Index
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Jan
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12.00
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10.57
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Moderate
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W
Jan 19
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08:30
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Housing Starts
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Dec
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550K
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555K
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Moderate
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W
Jan 19
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08:30
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Building Permits
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Dec
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560K
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530K
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Moderate
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Th
Jan 20
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08:30
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Initial Unemployment Claims
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1/15
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425K
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445K
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Moderate
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Th
Jan 20
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08:30
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Continuing Unemployment Claims
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1/8
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3.900M
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3.879M
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Moderate
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Th
Jan 20
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08:30
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Existing Home Sales
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Dec
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4.80M
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4.68M
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Moderate
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Th
Jan 20
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08:30
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Leading Economic Indicators (LEI) Index
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Dec
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0.6%
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1.1%
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Moderate
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Th
Jan 20
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10:00
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Philadelphia Fed Manufacturing Index
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Jan
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20.5
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20.8
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HIGH
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Th
Jan 20
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11:00
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Crude Inventories
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1/15
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NA
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-2.15M
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Moderate
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>> Federal Reserve Watch
Forecasting Federal Reserve policy changes in coming months With inflation still under control, economists expect the Fed to keep the Funds Rate at its super low level well into the year. The experts feel the economy is not yet strong enough to handle a rate hike just yet. Note: In the lower chart, a 1% probability of change is a 99% certainty the rate will stay the same.
Current Fed Funds Rate: 0%-0.25%
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After FOMC meeting on:
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Consensus
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Jan 26
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0%-0.25%
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Mar 15
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0%-0.25%
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Apr 27
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0%-0.25%
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Probability of change from current policy:
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After FOMC meeting on:
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Consensus
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Jan 26
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<1%
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Mar 15
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<1%
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Apr 27
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<1%
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This e-mail is an advertisement for April Diehl. The material provided is for informational and educational purposes only and should not be construed as investment and/or mortgage advice, or a commitment to lend. Although the material is deemed to be accurate and reliable, there is no guarantee of its accuracy. The material contained in the newsletter is the property of PrimeLending, A PlainsCapital Company and cannot be reproduced for any use without prior written consent. It is designed for real estate and other financial professionals only. It is not intended for consumer distribution. The material does not represent the opinion of PrimeLending, A PlainsCapital Company. © 2010 PrimeLending, A PlainsCapital Company. Trade/service marks are the property of PlainsCapital Corporation, PlainsCapital Bank, or their respective affiliates and/or subsidiaries. Some products may not be available in all states. This is not a commitment to lend. Restrictions apply. All rights reserved. PrimeLending, A PlainsCapital Company (NMLS no: 13649) is a wholly-owned subsidiary of a state-chartered bank and is an exempt lender in the following states: AK, AR, CO, DE, FL, GA, HI, ID, IA, KS, KY, LA, MN, MS, MO, MT, NE, NV, NY, NC, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY. Licensed by: AL State Banking Dept.- consumer credit lic no. MC21004; AZ Dept. of Financial Institutions- mortgage banker lic no. BK 0907334; Licensed by the Department of Corporations under the California Residential Mortgage Lending Act- lender lic no. 4130996; CT Dept. of Banking- lender lic no. ML-13649; D.C. Dept. of Insurance, Securities and Banking- dual authority lic no. MLO13649; IL Dept. of Financial and Professional Regulation- lender lic no. MB.6760635; IN Dept. of Financial Institutions- sub lien lender lic no. 11169; ME Dept. of Professional & Financial Regulation- supervised lender lic no. SLM8285; MD Dept. of Labor, Licensing & Regulation- lender lic no. 11058; Massachusetts Division of Banking- lender & broker license nos. MC5404, MC5406, MC5414, MC5450, MC5405; MI Dept. of Labor & Economic Growth- broker/lender lic nos. FR 0010163 and SR 0012527; Licensed by the New Hampshire Banking Department- lender lic no. 14553-MB; NJ Dept. of Banking and Insurance-lender lic no. 0803658; NM Regulation and Licensing Dept. Financial Institutions Division- lender license no. 01890; ND Dept. of Financial Institutions- money broker lic no. MB101786; RI Division of Banking- lender lic no. 20102678LL and broker lic no. 20102677LB; TX OCCC Reg. Loan License- lic no. 7293; VT Dept. of Banking, Insurance, Securities and Health Care Administration- lender lic no. 6127 and broker lic no. 0964MB; WA Dept. of Financial Institutions-consumer lender lic no. 520-CL-49075. PrimeLending, A PlainsCapital Company is an Equal Housing Opportunity Lender. NMLS# 176918
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This email was sent to adiehl@primelending.com.
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April Diehl
Fernley,
NV
More about me…
PrimeLending
Address: 415 Hwy 95A Suite K-1102, Fernley, nv, 89408
Office Phone: (775) 575-1744
Cell Phone: (775) 830-4398
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