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Time is a funny thing. We all have the same amount if it. The same 24 hours. The same 1440 minutes and the same 86,400 seconds every single day. What we do with them determines the degree to which we have can impact our lives and the lives of others. I have read that some consider time an illusion. That may be true. Regardless, the impact we have on the lives of others is not an illusion. Make the best of it and use it well. Create meaningful impacts every single second of every single day.
Be your best! (7 comments)
Perspective in tough times. - 02/25/09 07:47 AM
Got no checkbooks, got no banks, Still I’d like to express my thanks; I’ve got the sun in the morning and the moon at night. – Irving Berlin I stumbled upon this lyric this morning and thought of its appropriateness to our time now. it is from the song, "I Got The Sun In The Morning" by Irving Berlin and orginally performed by Les brown and his Orchestera. The version below was sung by Doris Day and it was eventually included in the play Annie get Your Gun. The song was written over 60 years ago right after a decade of (12 comments)
How to buy a house on the courthouse steps...Part III of a 3 part series - 02/24/09 05:22 PM
WARNING! This is not for the faint at heart......ADULTS, do not attempt this unless you have a strong will or desire, a good banker, enough down payment, an approval in hand and very good idea of your market, the houses in it and most importantly the home you want to buy. Our saga began about 13 months ago, but for the sake of time and space, I have decided to limit this to the last 90 days only.
Read Part I here I left Part II with the mortgage company with which we been working suddenly going out of business! (4 comments)
Where are you getting your information? - 02/23/09 04:18 PM
Internet?, print media?, television?, radio?, your next door neighbor? or colleague? And, Are they credible sources? I ask because it is important for the quality and depth of the information your are researching. It is the cause of hyperbolic reaction, innuendo and the groundwork for mis-information. Thus creating an environment of un-necessary drama and reaction within the markets and the public at-large. In extreme cases, it can cause a panic. Without the proper sources, there is no basis for planning and correct action. If you don't know the causes or reasons behind a particular set of circumstances, then there is no (10 comments)
Scouting the water hazards of big water - 02/21/09 11:47 PM
I am sure you have heard the old adage, "the definition of insanity is doing the same thing over and over and expecting different results" Well, the current economic environment is causing just that sort of thought process....kinda like running a class 5 river. Many of us that have been in the business for years , whether it be real estate or mortgages or ancilary services like appraisal or title insurance, yeah!....we know what we are doing. After all we have been doing it with so much success for so long, of course we know it....right? So why are we not (8 comments)
Read Part 1 here..........WARNING! This is not for the faint at heart......ADULTS, do not attempt this unless you have a strong will or desire, a good banker, enough down payment, an approval in hand and very good idea of your market, the houses in it and most importantly the home you want to buy. Our saga began about 13 months ago, but for the sake of time and space, I am going to limit it to the last 90+ days. We ended part 1 the other day with not quite knowing where the bid was going to start, which was (1 comments)
How to buy a house on the courthouse steps...Part I of a 3 part series - 02/18/09 06:11 PM
WARNING! This is not for the faint at heart......ADULTS, do not attempt this unless you have a strong will or desire, a good banker, enough down payment, an approval in hand and very good idea of your market, the houses in it and most importantly the home you want to buy. Our saga began about 13 months ago, but for the sake of time and space, I am going to limit it to the last 90+ days. To get started though, it is important to lay down some groundwork: So here goes- ~My family and I moved into a completely renovated (2 comments)
13 bank failures this year...is this a sign of things to come? - 02/17/09 09:07 PM
This time one year ago, the recession was officially in full bloom and there was 1 bank failure to date and 13 through the end of the 3rd quarter (5 on February 13th alone). The FDIC reports 13 year to date. That equals a 1300% increase over the same time last year and assuming that statistic holds true, then there will be an additional 312 failures this year alone. A scary prospect for those of us looking for a positive nugget of hope in an otherwise dismal forecast. So what does all this mean?
Well, our banks are in rough (11 comments)
No down payment? No problem in today's market! - 02/11/09 11:01 PM
Steve Bucher blogged this earlier this evening and after a recent personal experience of buying a home in Nashville, TN utilizing the 1st Time Homebuyer Federal US tax credit, I was able to acquire a large enough refund for the 3.5% FHA down payment requirement. The only other requirement was that we could not have owned a home within the last 3 years and we had to purchase before June 30, 2009. FHA does not have minimum score requirements (although many lenders do of 580 or higher) and thier underwriting guidelines are a little more reasonable. Stay Sharp and good luck! (5 comments)
Did you know that without Mr. Hollerith, we might not be doing what we are doing night now? In the year 1886, Herman Hollerith had the idea of using punched cards to keep and transport information, a technology used up to the late 1970s. This device was originally constructed to allow the 1890 census to be tabulated. In 1896, the Tabulating Machine Company was founded by Hollerith. Twenty-eight years later in 1924, after several take-overs, the company became known as International Business Machines (IBM). ....and to think that in 1984, my computer science class consisted of punch cards being read (9 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.