Have you ever been talking to a client, and you seem to be building a good repore with them and then a (4 letter) word slips out and the conversation stops!

I was listening to another Realtor talking with a potential client I had introduced to him. And after about 20 minutes of selling his services...out it comes...the F...word.

I was a bit startled, but I knew that my friend was going to be disinterested in this Realtor the minute he heard that word.

I didn't think it was something to mention to the Realtor friend...that my friend was very religious and didn't think much of it. But after word, my friend was appauled that this "professional" had said that.

I am not much of a swearer. When I was young, after being repremanded for swearing, and asking my dad why can't I swear, everyone else seems to do it? He stated, "people swear because they lack the intelligence for a better term".

So, is it ok now adays to swear when you are in a professional or Business setting?

What are you doing to survive. People are still affraid to purchase houses and get a mortgage. So I am expanding my services, opening up to new ideas, and putting more time into taking care of my health. Heaven knows I can't afford to be out sick during this flu season.

So, added being a Financial Coach. I am Securities and Insurance licensed, have a Loan Originator and branch manager license. So I am also helping people with their business, personal and corporate finances.

chuckc@soundmtg.com       www.soundmtg.com

cchristensen840qp@wfgmail.com   www.wfg-online.com

And I am taking better care of my health. I have lost more than 10 pounds in the last month. (need to loose another 15) Eating better, cleansing the toxins out of my kidneys, liver and total body. And at 50, I don't really do any hard core exercising. And making some money on the side by sharing this with others. And doing it all natural! No pills or quick fixes. And still eating some chocolate snacks.

www.clean.n.greenisagenix.com       www.clean.n.green.com

So, what are you doing to make it thru these hard times? Or are you getting out all together?

"My stuff is valuable stuff, your stuff is junk!"

The meaning of this was that people like to buy camp trailers and motor homes to take there stuff with them. They have good stuff, but why are you taking your stuff with you? It's just junk.

Now as a Realtor, your trying to determine the Fair Market Value of the home....just the home.

But the home owner has a different view of the home. To them, it is their personal stuff, where their children are growing, they have mowed the lawn and taken care of the yard, struggled every day to take care of the house. Their is alot of sweat equity that is in the owners mind.

When a Realtor tells them it is worth less than they think, you might as well insult them first and get thrown out of the house anyway. Once they have heard that, they can not listen to anything else because their mind is now cluttered with "what the He..! You don't know what your talking about!

I always start off a sales pitch with something like "what are you looking to get out of all this?" and Why?

They will usually tell you and explain what they need. Like enough money to pay off the loan, their credit cards, maybe a high car payment and at least 3% for a down payment on a new house. If they went to get preapproved first, the lender would suggest they pay off some things to help the DTI ratio. It may be that they can afford payments of $1500, but with the other payments, they don't qualify at all.

It would never be good to assume that "the client has an unrealistic view of what the market is". Yes they do, it's not their job, it's yours. And of course their home is always better than the neighbors, because "It's their stuff!"

said that if Oboma get's elected....he would kill himself....

So was it wrong of me to make him promise.....?

Come on now....OK...Bush has startled the country and were all struggling now.....who is going to fix it? Congress? the next President? The top CEO's of the Banking Committee, Fed Chairman Bernanke, Paulsons leaving with his money, so whomever is next?

Or maybe "We The People, in order to form a more perfect union"....

We the people can control the changes. It is really up to us, we really do tell them what to do, when we speak....it doesn't really matter, if we speak loud enough...they will listen....so it is up to us...

Buy a home, build a home, or do what it takes to improve your home, and yourself.

With all this market termoil, it is getting very stressful and sometimes over welming with all of us in the business, be it Realtor, Mortgage Banker or broker, Appraisers, Title and Escrow, ect.

Over a year ago my wife did this Body cleansing thing...went from a size 14 to a size 4. Don't even ask me how much weight she lost, because she won't tell me.

I think because I kind of know where she is at now but she doesn't want me to figure out where she was. She did the 30 day cleansing and then after she saw alot of success, she continued to exercise and work real hard at eating better....even though she had "The BBQ King" wanting to grill some steaks or some other red meat every night. And nw after doing the 9 day total body cleanse, I lost 0 pounds the first 9 days and have lost an aditional 3 pounds this past week just eating regular food, cutting back on the beer and coffee....and taking a 30 minute walk everyday.

So , now I have gotten involved in taking better care of myself due to all the stress going on with the Bailout, market and houseing industry.

check out this website at www.clean.n.green.isagenix.com or www.jeanniechris.isagenix.com and see how were doing it. Let me know if you have any questions. And if your interested in making some cash on the side like we have, let me know. It sure isn't the Mortgage industry that has been paying my bills lately. Thanks  

The wife and i are going to dress as Fannie Mae and Freddie Mac for Halloween.

Now just how do we do this you ask? How will you recognise us you ask....simple?

We will be dressed in Very expensive Business suits....and have our pockets and clothes completely stuffed with money...money sticking out everywhere....and we will be asking people if they can spare a few dollars for a cup of coffee....$5 would be good....we can only drink single tall non-fat double shot pumpkin latte's.

We will be asking people to refinance their homes to 100% ltv at 5% fees to help us out.....and tell them it is fine because they don't need make payments for 9 months...it will take us 9 months to send out a foreclose notice......and 6 months before it actually forecloses.

Any other idea.s besides a million dollars worth of jewelry....on each of us.....

But forgetting the fairness in the previous laws they made....for instance....Here in Washington State...a married man that no longer wants to have children, has to get his wifes permission to have a vasectomy.

But a woman can get an abortion without disclosing it to her husband or getting his permission, in fact, she has a right to privacy, and the record is then locked up. And the husband would never know.

If a under aged girl wants to have an abortion, she can go thru counceling at the welfare office, and the welfare medical approves it and pays for it without notifying the parents.

If an under aged child runs away from home becasue they don't like following the rules of the house, like cleaning their room, they can go live at a foster house, and the parents are charged for the cost because they are financially responsible for that child until the age of 18.

So, what conflicting laws do you have in your state, due to politicians going wild to force their religious or civil opinions on you.

Forrest Gump
Explains Mortgage Backed Securities

 
Mortgage Backed Securities are like boxes of chocolates.
Criminals on Wall Street stole a few chocolates from the boxes and replaced them with turds.
Their criminal buddies at Standard & Poor rated these boxes AAA Investment Grade chocolates.
These boxes were then sold all over the world to investors.
Eventually somebody bites into a turd and discovers the crime.
Suddenly nobody trusts American chocolates anymore worldwide.
  
Hank Paulson now wants the American taxpayers to buy up and hold all these boxes of turd-infested chocolates for $700 billion dollars until the market for turds returns to normal.
Meanwhile, Hank's buddies, the Wall Street criminals who stole all the good chocolates, are not being investigated, arrested, or indicted.
  
Mama always said: "Sniff the chocolates first, Forrest".

Or are you both? It takes a good amount of Salesmanship to sell anything. And if you a good Realtor, you are a good Salesman! It is a proven fact that Good looking, Younger, taller men do better in sales because people have to look up to them...and the psycological game begins...they are already looking up to you. Pretty, well dressed professional women have the advantage also.  

But now that the housing market is down....How are your sales techniques working?

Probable down also. So why not add something to your income and work on yourself! To help improve yourself and your attitude about yourself.

It is a proven fact that when you feel better about yourself, that you come across more confident, and confidence is contagious, everyone wants more of it. When you look better and feel better, you do better. And everyone wants to have what you have or do what you do because you come across as being more successful. That is why so many people got their Real Estate license when the market was hot, but never did anything...they lost the confidence when they found out it was hard work and had to put in alot of hours...about 23 per day...7 days a week.

So check out my website and see how I am doing it at www.clean.n.green.isagenix.com and see how my wife went fro a size 14 to a size 4 and then encouraged me to loose more than 10 pounds in 2 weeks and still going strong...no drugs involved...except for beer during the football game.

Or call my cell phone and leave a message for me to call you back...I don't talk and drive! If you have verizon, it's a free call anyway.

If you had purchased $1,000 of shares in Delta Airlines one year ago, you would have $49.00 today.
If you had purchased $1,000 of shares in AIG one year ago, you would have $33.00 today.
If you had purchased $1,000 of shares in Lehman Brothers one year ago, you would have $0.00 today.

But, if you had purchased $1,000 worth of beer one year ago, drank all the beer, then turned in the aluminum cans for recycling refund, you would have received  $214.00.

Based on the above, the best current investment plan is to drink heavily & recycle. It is called the 401-Keg.

A recent study found that the average American walks about 900 miles a year.
Another study found that Americans drink, on average, 22 gallons of alcohol a year.
That means that, on average, Americans get about 41 miles to the gallon! 

So isn't it time to invest in yourself? Get healthy and take care of yourself while you have time. When the market picks up and houseing returns, you won't have time...and will you be able to keep up?

Go to www.clean.n.green.isagenix.com and then email me at clean.n.green@comcast.net to see how you can get products at wholesale prices!