I saw an article on MSNBC this morning about a British guy who won the "Greatest Job in the World" - to get paid $110,000 to spend six months on the Great Barrier Reef in Australia not doing much more than blogging about his adventures as caretaker for the reef's islands. I don't know about you, but that would combine my two loves and be my greatest job to have, too. I've been to the Great Barrier Reef three times and I could easily spend the rest of my life there. I'm also obviously addicted to social media, so it's a natural fit.
So, this got me thinking: Who has the greatest job in Arizona?
We have such a rich and diverse state full of beauty and history, from the Grand Canyon to Tombstone, that there must be somebody who has the ultimate and most envied job? Is it someone associated with one of our many sports franchises? (Where are you @DbacksPRGirl?) Maybe a Park Ranger on the Rim, or maybe a maitre d' at one of our highly rated restaurants? There are certainly some great jobs to have in Arizona.
I'd like to hear your nominations. You can nominate yourself, a friend that you're envious of, someone who may be a local celebrity, or just a job that you know exists even if you don't know who holds it.
This should be a lot of fun, and at the end of the month I will select the winner of "The Greatest Job in Arizona!"
I will never profess to be a bona fide techie or even an advanced user of popular software or hardware. I am, however, at age 40, of the generation that grew up as technology grew up. I had my fist Commodore VIC-20 in Jr. High, and a Commodore 64 in college. I witnessed the birth of fax machines, laser printers, and cell phones. I began my real estate career in 1995 right as the Internet was gaining popular acceptance. I witnessed the dot com boom and bust, the land grab for domain names, and the cultural game changer inthe iPod.
While I grew up with technology, I wasn't always on the cutting edge of it. I had email and web access with the old AOL dial-up service in 1995, but don't think I owned a CD player until the late 90's. I was taking digital photos in 1997, but have yet to own an iPod (I think my daughter has three!) I've been using a BlackBerry for most of the decade, but just got our first Nintendo Wii last week (I won it in a drawing to my kids delight!) I've had a plasma HDTV hanging on my wall since '05 with a DVR, but have never rented a movie from Netflix or bought On-Demand, preferring instead to trek to Hollywood Video or RedBox.
I say all of this to build a framework for what this post is really about. I don't know how to create technology, and I may let some trends slip by unnoticed, but I do latch on to others when I see a potential to reshape the world. Web 2.0, while frighteningly young, is something to stand up and take notice of.
I only learned of blogging about 3 years ago and didn't begin my own until I started this space early last year. While I realize to some that that delay may seem to be an eternity, the surface has really only been scratched on the extent that blogs will eventually penetrate all levels of society. Blogging was really the beginning of social media as we know it today. MySpace took it a bit farther, followed by Facebook, LinkedIn, etc. There are dozens of social media sites out there that now allow anybody to share their thoughts, hopes and dreams with the world in every digital media platform. Twitter has emerged as the glue that ties the rest together with it's unique ability to rapidly grow a distribution list. Words, graphics, pictures, music and video have been incorporated into all of the major social sites, and while the younger generations were the first to jump on the bandwagon, businesses and professionals are only now starting to see the potential of this emerging technology. This is why I predict that all hell is about to break loose.
As business starts to realize the potential of being in front of countless thousands of "friends", "fans" or "followers", money is going to start getting dumped into commercial side of social media in exceedingly increasing rates. Hundreds of social media companies will be born and some that may not even exist today could be Fortune 500 candidates just a few years from now. Just like during the dot com run, we will see venture capital poor in once a profitable and sustainable business model emerges - and it won't be long.
As society becomes more tolerant to social transparency, more and more people will be sharing themselves more openly in the digital world. Advertisers will be able to focus their ads only to those who have expressed interests in their goods and services. Entertainment will be focused even tighter on market segments with digital delivery of content to the device of a consumers choice. The very way we communicate with others will blur as technologies continue to consolidate.
The company that has been noticeably absent from this conversation is Microsoft. Have they missed the boat and will they be over-taken by a start-up with a new angle and hip following? Don't count on it. While I've never been a big fan of Windows, I think the Office suite of programs sets the world standard. It won't be long before Outlook transforms into a social media tool with unparalleled power. Just think about this: You have an MS Exchange enabled version of Outlook on all of your devices. On your desktop you have an MS version of a Facebook-like wall showing current updates of everyone of your connected friends. When you open a contact window, a full stream of their recent posts is displayed, complete with video uploaded from their cell phone or Flip Video, and a history of every communication that you've had with them - including voice transcripts of your phone calls. You type out a blog post and it automatically sends to the desktop of the distribution list of your choice. Key words are all interactive, calendar items are scheduled automatically and contacts update instantly.
Plaxo and new products like redPear's Core Relationship Manager touch on some of these functions, but once Microsoft wakes up and builds them into Outlook you'll see many social media companies go the way of the Netscape Navigator. While the big will get bigger, the monetizing of social media will be the catalyst to bring the world out of our current recession and lead us into the next bull market cycle. Buy stock in any of the companies that have patents on the key technologies. Trust me, they are bargain priced compared to where they are headed.
If that is not enough, what do you think will happen when Google gets it figured out?
Here's is some information passed along to me from a friend in the mortgage business regarding the Federal Governments new Loan Modification program:
The Obama Administration unveiled the final details of its "Making Home Affordable Program," which is designed to help up to 9 million American families refinance or modify their loans to a payment that is affordable now and into the future.
One of the initiatives in this program is aimed at helping struggling homeowners "modify" their loans to avoid foreclosure. Here are some common Questions and Answers about the Modification Initiative in the program.
MODIFICATION INITIATIVE
Who is eligible?
To apply for a Home Affordable Modification, you must:
Own and currently occupy a one- to four-unit home.
Have an unpaid principal balance that is equal to or less than $729,750 (for one unit properties).
Have a loan that was originated before January 1, 2009.
Have a mortgage payment (including taxes, insurance, and home owners association dues) that is more than 31% of your gross (pre-tax) monthly income.
And, have a mortgage payment that is no longer affordable, perhaps because of a significant change in income or expenses.
If you answered YES to all of these questions, you may be eligible for the Modification Initiative.
Am I eligible if I missed some mortgage payments?
Yes. If you missed two or more mortgage payments and answered "yes" to the Modification Initiative requirements above, you may be eligible for a loan modification.
Do I need to be behind on my mortgage payments to be eligible for a Home Affordable Modification?
No. Responsible borrowers who are struggling to remain current on their mortgage payments are eligible if they are at risk of imminent default. Examples of being "at risk" include facing a significant increase in your mortgage payment or a reduction in your income. Contact me to discuss your specific situation.
I have a second mortgage. Am I still eligible?
Yes, but only the first mortgage is eligible for a modification under this specific initiative. Contact me for details on how to modify your second mortgage.
I have an FHA loan. Can it be modified under this program? Are all loans eligible?
Most conventional loans including prime, subprime, and adjustable loans; loans owned by Fannie Mae and Freddie Mac as well as private lenders; and loans in mortgage backed securities are eligible for a modification. Contact me to discuss your specific situation.
I have a mortgage on a duplex. I live in one unit and rent the other. Will I still be eligible?
Yes. Mortgages on two, three and four unit properties are eligible as long as you live in one unit as your primary residence.
What does the Modification Initiative do?
If you are eligible for this plan and are approved, you will be put on a trial modification for three months at a new interest rate and payment.
If you successfully make the payments and are current at the end of the three-month trial period, your servicer will execute a permanent modification agreement that will lower your interest rate to a fixed rate for five years.
What happens after five years?
Beginning in year six, the rate may increase no more than one percentage point per year until it reaches the "rate cap" in your modification agreement, which is basically the market interest rate on the date the modification is finalized.
That means your rate can never be higher than the market rate on the day your loan is modified. This is great news because rates are currently at historic lows... and you can lock in now.
How low can my interest rate go?
The Treasury is providing incentives to your lender to write the interest down as low as 2%, if necessary to get to a payment that you can afford based on your income.
What happens if that is not enough to get to an affordable payment?
If a 2% interest rate is not enough to bring your payment down to 31% of your gross monthly income, your servicer can extend your payment term--for example, give you a 40-year loan rather than a 30-year.
If that is still not sufficient your servicer will defer repayment on a portion of the amount you owe until a later time. This is called a principal forbearance. A portion of the debt could also be forgiven. This is optional on the part of the investor. There is no requirement for principal forgiveness.
Are there any other benefits to this program?
Yes. For every month you make a payment on time, Treasury will pay an incentive that reduces the principal balance on your loan. Over five years the total principal reduction could add up to $5,000.
How much will a modification cost me?
There is no cost to borrowers for a Home Affordable Modification. You will not be asked for any money by your lender. However, you may not want to "go it alone." Please contact me for information on affordable resources designed to assist you with your loan modification. After all, you only get one chance to do this right.
If there are other costs associated with the modification--such as payment of back taxes--your servicer will add those costs on to the amount you owe. Your servicer will also forgive any late fees.
Is housing counseling required under this program?
Borrowers are strongly encouraged to contact a HUD-approved housing counselor to help them understand all of their financial options and to create a workable budget plan.
However, housing counseling is only required for borrowers whose total monthly debts are very high in relation to their incomes (55% of your gross monthly income).
If you would like to speak to a housing counselor, call 1-888-995-HOPE (4673).
How do I apply for the Modification Initiative?
We have excellent tools available for you to assist you in putting together a Loan Modification request. Please contact me for details.
My loan is scheduled for foreclosure soon. What should I do?
If your mortgage has been scheduled for foreclosure or if you have missed one or more mortgage payments, should contact your servicer immediately.
You may also want contact a HUD-approved housing counselor by calling 1-888-995-HOPE (4673).
As always, if you have any questions or would like to discuss how this may specifically impact you, I'd be happy to help. Just call or email me any time.
I've had several of my friends who haven't joined Facebook or Twitter yet contact me recently wondering how Social Media can help them in their business. Basically, what's the point? Well, I remember people asking that same question about 12 years ago when the internet was just coming into its own. Seems a bit silly now, doesn't it? The best way I can answer the question is this: The world is changing right before our eyes faster than we can even imagine. It's become connected and transparent. I think that most of you can admit that a static Rolodex or address book has been replaced with electronic versions like Outlook, Blackberry, etc. Now these databases are being replaced with Facebook, Twitter, LinkedIn, MySpace, YouTube, blogs, RSS Feeds, et al. Basically, Social Media has transformed your address book from a place where you keep your contacts to a place where your contacts keep you. (Damn, that's good - I'll need to post that on Twitter!)
Social Media is an interactive, multi-faceted, global database where everybody can learn and share from everybody else. You can find your own balance as to how much you want to share or observe. Don't you think it would be great that if all of your friends and clients shared their greatest successes as they happened and you could congratulate them in real time? Do you think that would make a powerful impact? Think they might remember you when it comes time for them to need your services? And, what about their friends who you have never even met? Do you think they might wonder who you are and what you do when they see you interacting with their friends? You bet! As with most things in life, 90% of success comes from just showing up.
Here's a video by Perry Belcher that explains the point of using Social Media in business better than any others that I have seen. Thank you to Chris Pollinger of the PRC Network for passing this along.
Brandon Rosvall won the "Best Valentine's Day Theme" Award for his Valentine's Day message to moms everywhere in the 2009 Arcadia Cub Scouts Annual Cake Auction Wednesday night at Hopi Elementary. The auction featured dozens of creative and colorful cakes featuring various Cub Scout and pop culture themes. The final numbers aren't in, but I'm estimating the auction raised in the ballpark of $1,500 this year for Pack 6. Congratulations to all of the theme winners, participants and helpful parents for their great efforts and generous contributions!
Lizzie Rosvall in full costume at the conclusion of Coronado High School's school play "One Upon A Mattress". Presented by the Coronado Performing Arts Department on February 5,6 & 7th, the entire production was really cute. We are proud of Lizzie, a freshman at Coronado, for her role as a Court Lady and singer in the chorus. The entire cast and orchestra did a wonderful job. Please support your local High Schools and help our kids become well-rounded young adults.
It's roof rat time of year again in Arcadia..yeah for us! If you missed the article by Diana Balazs on AZCentral.com on January 26th, check out the following link:
South Arcadia residents Barry & Joan Paceley work hard each year to get the word out about controlling the roof rat population. They expect this year to be worse with all of the vacant and bank owned properties in the area that will not have the citrus fruit harvested or cleaned up. This could be a problem for everyone.
If you know of someone looking to buy a foreclosure home in Arcadia, please give me a call. I have current and updated lists of all of the best deals. Let's try to get some of these vacant properties sold and keep our community nice for everyone. The roof rat population can be easily controlled if everyone does their fair share to keep the citrus off the ground and their yards clean of debris.
More on this topic:
Arcadia Neighbor to Neighbor citrus drive
What: Drop off usable fruit from your trees. The fruit is donated to food banks and other community groups.
When: 8 a.m.-noon Saturdays through March 28. Residents also can ask questions about roof rats during a clinic from 9 to 10:30 a.m. each Saturday during the drive. Roof-rat bait stations will be available for $5 each.
Where: Elks BPOE Scottsdale Lodge No. 2148 parking lot, 6398 E. Oak St., Scottsdale.
Volunteers needed: Arcadia Neighbor to Neighbor has a list of senior homeowners throughout the Valley who are not able to pick their citrus. Volunteers are needed to pick primarily oranges and grapefruit 3 to 4 hours on a Saturday morning. If interested, contact Barry Paceley at n2n@paceley.net.
Roof rat information: www.roofrat.net or (602) 273-0435.
Congratulations to the Arcadia Area's Den 8 Cub Scouts who have completed their Webelos Achievements and are ready to earn their Arrow of Light Badge, thus graduating to Boy Scouts.
Max Bradley, Daniel McCloskey, William Nickerson, Eric Oihus and Brandon Rosvall have worked really hard to earn their badges and we are all proud of them for their dedication and efforts.
Below are some phots taken during their Traveler Achievement, where they planned out an itinerary to travel to, buy tickets, then ride on the new Metro Light Rail from 38th St to Mesa and back. Max Bradley, Daniel McCloskey and Brandon Rosvall got to sit in the control cab of their train before it left the Sycamore/Main Street station on their return trip. (Sorry about the photo quality. I was taking the photos right into the sun.)
One of the neat, and sometimes inconvenient, things about living in Arcadia is that every January the PF Chang's Rock & Roll Marathon runs through the area. The course heads north up 48th St along the linear park, then east on Indian School to Scottsdale. Our family loves to get up on these Sunday morning each year and cheer on the runners as they pay by our neighborhood. We often have friends running, and being at roughly the 15-mile mark, we provide a good pit-stop for fresh energy food, water and words of encouragement. Plus, the music is always fantastic.
This year the race was on January 18th and the weather couldn't have been more beautiful. I think it was pushing 70 degrees by noon! We sat at the corner of Osborn and 48th St and listened to the local bands play their sets. I especially liked Sevencar Pile Up. With a name like that, how could they go wrong?!
Of course, on race day there isn't a whole lot else we can do. At least, there is nowhere we can go. We are virtually land-locked by the marathon and half-marathon cutting off our escape routes with road closures. The roads usually start to open up around 1:00, so we just needed to plan around it.
With the big Cardinals vs. Eagles NFC Championship game on at 1:00 that afternoon, the marathon was a great way to kill the time and quench the nervous anticipation.
Anyway, kudos to the Cities of Phoenix, Scottsdale and Tempe, PF Chang's and all of the sponsors and organizers who pulled off another great civic event. And, congratulations to all of the runners that competed. I envy you all. It was one of my life goals to run a marathon. Maybe someday...
If you don't think now is a great time to buy a home, think again. Prices in the Phoenix area have dropped 25%-50% in many areas, including Arcadia and South Scottsdale, from their highs in 2005. Mortgage interest rates are again approaching all time lows. With the financial and stock markets in turmoil, banks closing everyday, and 401K's losing their value right before your eyes, maybe buying real estate at a deep discount is a great place to park your money. Real estate always has, and always will be, the greatest long-term investment. If you look at real estate in that light, right now everything in ON SALE! We all know the the market is cyclical, and right now it is down. In a year or two it'll begin going back up, and in a few years the wisest of investors will reap huge rewards
Finding a great property in invest in doesn't even take that much work. Any knowledgable REALTOR can point you in the direction of several good investments based on your financial and risk factors. As the past few years have taught us, investing in real estate (or anything else) isn't for everyone. If you have a short-term outlook, you may lose your money. If you invest for the long-term, you could do very well.
To make things easy, below are a few properties that I have available in the Arcadia and South Scottsdale areas that are priced well below their previous highs. If any look interesting to you, please give me a call:
3 bedroom, 2.5 bathroom, 1328 sf total remodeled townhome for $185,000.
2 Bedroom, 2 bathroom, 1,088 sf like-new and gated townhome in South Scottsdale for $219,900.
2 Bedroom, 2 bathroom, 1335 sf townhome with great ammenities in McCormick Ranch for $269,900.
3 Bedroom, 2 Bathroom, 2090 sf single family completely remodeled home in Arcadia for $399,000.
Living In Arcadia is a community forum to discuss the great quality of life, people, schools, and real estate in the Arcadia, Arizona area. I invite you to join in to each discussion, or to suggest other topics that may add to the quality of life in our great community.
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.
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