Highly desirable Horn Point vicinity in fabulous Eastport. Huge yard with water access right down the street. This great house features the charm of yesteryear along with the benefit of a complete remodel and expansion only a short while ago. The lucky buyer of this home will love the open spaces, the screened porch overlooking the spacious private yard and gorgeous landscaping. A must see!
Equal Housing Opportunity.
The Curtis Real Estate Company :
41 Randall Street -
Annapolis
MD
21401
: 410-320-5227
Charming Bungalow for Sale in Eastport near Horn Point - Annapolis MD
Sincerely,
Joe Gonzalez Senior Loan Consultant Meridian Bank - NMLS #126036 920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net
Annapolis. Broadneck! $7k seller credit. Move-in condition. New carpet paint. Huge fenced yard w/beautiful trees providing great views, shade privacy. Enormous deck and patio for entertaining. Great living, family room, garage and fireplace. Highly desirable community amenities include sandy beach overlooking the Bay, 3 marinas and numerous parks. Futon, single or bunk bed in lower level?
Features List
3 bedroom
2 bath
Split Level
New Carpet
Freshly Painted
Huge fenced yard
Beautiful Trees
Enormous Deck
Fireplace
Close to beach
Close to 3 marinas
Much more!!
Equal Housing Opportunity.
The Curtis Real Estate Company : 41 Randall Street - Annapolis MD 21401 : 410-320-5227
3 bedroom 2 bathroom home for sale Annapolis, MD Maryland
Sincerely,
Joe Gonzalez Senior Loan Consultant Meridian Bank - NMLS #126036 920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net
Real Estate SEO isn’t magic, but thankfully it’s not rocket science either, its a simple business plan with a simple purpose.
Step 1: How To Develop a Solid SEO Strategy
Thankfully, human sacrifice is not yet a requirement to improve your search engine ranking. Although, if Google ever changes its criteria it is best to think about who is on the bottom of the totem pole. Refreshingly, SEO strategy starts with a very easy and basic concept, keywords.
You begin with a little brainstorming. If you work alone, you may want to enlist the aid of a friend or friends. They don’t have to be Realtors, just people who have had experience buying a home and are internet savvy. Your “Brainstorming Meeting” has one purpose: Gather ideas to create content and research keywords.
To get started you will need the following tools: A. your brain and that of your team or friends that you enlist; B.Google Keyword Tool (which implies that you need a computer/s); C.Blogging ideas for 3 months.
Regarding Tool C. Blogging Ideas, it is important to remember that this can be almost anything. It could be questions that people commonly ask you when they are looking for a home, questions that sellers commonly ask, new developments in Real Estate policy in your area, etc. Just think about content that is relevant to your community of buyers and sellers.
The Meeting Outline (about 1 hour maybe more):
Idea Gathering (20 minutes) – You may order the material however you wish. One suggestion may be to order the ideas according to relevance to your community. Since you are building a 3 month plan, and you want to produce at least 1 good post each week (you could post more often if you can schedule the time, however, it is best to make your initial goals realistic and reachable. You can track results easier and gauge your success in visible increments that will help you stay positive) you will need about 12 good ideas. If you have more, great! Keep them coming, because this is just a plan to get you started, you will need those ideas later.
Keyword Research (20 minutes) –Next to each idea write keywords that belong to that topic. Write as many as you can think of. Once you have finished construct a search string for each idea that your team agrees is realistic (ex.: Home For Sale in Community X). Now comes the part where you collect some data to help you in your execution of these ideas. For this part you will use Google Keyword Tool. There are other tools that you could use, but this one is free and its results are easier to explain. [Click on the picture to see a screenshot with brief explanation]
Compilation and Planning (20 minutes) – Use the data that you gather from Google to construct a blog title for each idea on your list that uses rich keywords, but also reads like an attractive sentence. An example is the title for this article. It has the keywords I want, Real Estate SEO, and it also sounds interesting (at least… I hope it does). Once you have finished, reward each of your friends with a gift card to Starbucks (no greater gift on the planet), and then assign on your calendar a blog title to each week for the next 3 months. Now you are ready to start writing!! Yahoo! (shameful keyword pun – am I trying to hard?)
Step 2: Best SEO Practices
There are many people who have written a great deal about Best SEO Practices, but in my opinion the one person who has nailed down the basic ideas best is Stephen Graham. He is a professional blog trainer and writer and he has written a simple, easy to follow list of things you need to consider each time you blog. The article is called: 4 Steps to Follow for Easy SEOand I highly recommend that you read it before you begin writing. You will notice a very basic principle that guides the logic of what he has written, it is one of the greatest principles by which we can live: Keep It Simple Stupid. I am not calling “you” stupid (it’s more something we need to say to ourselves, but take it easy, I don’t want to you to damage your self esteem), but it is a phrase that we all need to remember when writing. When your content is simple, the search engines will love it and so will your readers. It’s a win-win formula.
Step 3: Staying Current & Competitive
The easiest part is behind you, now comes the hard part… be consistent. 20th century British author Aldous Huxley once wrote: “Consistency is contrary to nature, contrary to life. The only completely consistent people are dead.” He comments on a harsh, but very true reality, that it is difficult for any of us to be consistent. That said, what you are striving for is clearly not perfection (unless the idea of an early grave is attractive to you, in which case there is a very different article I recommend reading…). Just do your best to stay organized and execute the strategy that you have now created. No, it won’t be easy. It may require the help of someone else to remind you. Be it by means of your smart phone, your spouse or a co-worker set up daily and weekly reminders to stay on track with your schedule. Do research online and locally before you write to make sure that the information that you are presenting is still up-to-date.
One way to stay current and competitive is to invest your time in ongoing education and training. The more knowledge you possess of your industry and it needs, the natural byproduct you will produce is relevant and intelligent content that is usable and valuable to your readers. If you are interested in what programs might be useful, please feel free to contact me. I could give you a list, but honestly then you would know everything I know. How embarrassing that would be… to have all of the knowledge I possess summed up in just 2 blog articles! No thanks, I will save something for future conversation. May you have success with all your SEO endeavors!
If you have any questions or comments my preferred contact information is listed below.
Real Estate SEO isn't magic, but thankfully it's not rocket science either, nevertheless, it does involve hard work. There has been so much talk about Search Engine Optimization(SEO), especially amongst bloggers and business professionals. So much so, that the term SEO is now a household name. Sadly, like many things that grow in popularity quickly, misinformation spreads with it. In fact, most people probably forget that it is an acronym. They talk about it as if it is an object or something that you can buy at a store. Some people have and continue to exploit such ignorance by selling it online as a product or an application.
They portray the illusion that, like the "magic beans" from Jack and the Beanstalk, your listing will climb to the top of the search engines overnight! Naturally, they charge an exorbitant fee for this form of SEO which generally consists of using paid advertising and over-aggressive measures that reap immediate results, but often see only short term gains. Sometimes these methods yield results, driving traffic to your blog and getting you higher on the search engines like Google, Yahoo and Bing. However, they could also result in your site being penalized (see Dilbert comic strip for example).
Even the better services, people who actually do the real work of analyzing and augmenting your blog to conform to current standards, still come with a price tag, and it is still temporary. That's right! Temporary. Why?
Google, Yahoo and Bing are constantly changing their algorithms to improve the end-user experience. The criteria that is considered can be very different depending on the search term itself or even the location from which the search is initiated.
For example:
The criteria considered to render search results for the search string "Condo for Sale" when initiated from McDowell County, West Virginia will be very different from the results for the same search term in Miami, Florida. In West Virgina this very general term may render very usable results to a consumer, whereas in Miami, where the market is more competitive and Condos are more abundant, more specific terms may be necessary for the consumer to find what they are looking for. At times, the search habits of that particular consumer can even affect the results that they see on the screen as opposed to what someone in the same geographic area sees.
Why is this important to know? Because the search engines are designed to help the consumer, not the seller. Google and the other major search engines are thinking about ease-of-use for the average person searching for products, information, etc. It is our responsibility to ensure that our blog, websites and listings are also search-friendly. In other words, that means that you also need to think like your consumer. Is this beginning to sound pretty much like basic marketing principles? That's because it is.
Your Knowledge - Your SEO
The same basic marketing principles that have been needed to sell products for centuries are still necessary today. There are still no real short cuts. You may be thinking, "I thought this was about SEO, not marketing." Well, effective SEO has everything to do with marketing.
The key to appreciating this is in understanding that the "O" in SEO stands for "Optimization". Optimization is defined as an act, process or methodology of making something as fully perfect, funtional, or effective as possible. In this context, optimization is applied to make your content more funtional with the search engines. However, in order to do that you have to know what the consumer is looking for, what they are likely to type into the search bar.
Do you really think that some SEO application or hired SEO expert knows your consumers needs better than you do? I sincerely hope that the answer to that question is "No." YOU are the one who knows best! The knowledge needed to make your content accesible and popular on the search engines is already in your hands! You simply need to develop a strategy appropiate to the task, and remain vigilant in following through with executing that strategy. Only a very small part of this is process is "techy", so don't let it intimidate you. You can do it, and in Part 2 of this article I will explain how.
Michael Hillanbrand Joe Gonzalez Team Marketing & Technology office - 210-888-9210 mike.techexpert@gmail.com
Part 2 of this article will include: A. How to develop a Solid SEO Strategy B. Best SEO Pratices and C. Staying Current & Competitive
Sincerely,
Joe Gonzalez Senior Loan Consultant Meridian Bank - NMLS #126036 920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net
My 28 Year & Counting Family Tradition - Salmon Fishing
The year was 1983 & I was 8 years old.My father decided he was taking me to Pulaski, NY to go Salmon Fishing.Twenty eight years later, we haven’t missed a year. If you’re looking for a manly man’s fishing trip that’s not too far off, this is a great place to start.
WARNING:
1.These fish are strong! I DO NOT recommend this for a beginner’s trip. 2.River currents can be strong, the water deep & rocks slippery.Don’t be a “bruto” – Spanish word for a moron who doesn’t use common sense. 3.Plan your trip in advance.Salmon season is short (mid/late September through October) & it can be challenging to find lodging. 4.Purchase your gear in advance. Equipment can be is expensive once you’re there.See the bottom of the page for links to stores (Click here to see what I use). 5.See #2 again & take me seriously. For all you “brutos” out there, you’ve been warned & you will get hurt if you’re careless.
Now for the fun…….
We left King of Prussia at 4 AM (they had to convince me) & 2 pit stops later we’re eating breakfast at Mapleview Family Restaurant in Parish, NY.It’s a long trip so it’s good to know a few good restaurants along the way. If you’re hungry try the “Big Rig” or “Breakfast Blizzard”.(Click here for direction to all stops).Don’t forget to enjoy the foliage on the way up!
With renewed energy we went to see where it all begins at the Salmon River Fish Hatchery.It’s educational & suited for all ages.So don’t be a heathen, take a minute & learn something.Your wife will be proud.Best of all, you’ll see a ton of king salmon (Chinook) & silver salmon (Coho).After seeing all those fish, we were fired up & ready to go!
A few miles off we started fishing at the Orwell Brook.The Orwell is a small stream with deep pools & little to no crowds.Now keep in mind much of the surrounding land is private & you may need to pay to cross their land.Once there, we found the salmon! I decided I was going to play cameraman & angler at the same time.Sorry for the bumpy video but it gives you a good idea of how these fish fight.
After catching our limit (3 per day), we loaded up our fish & made a quick stop at Fat Nancy’s Tackle & Fly Shop (side note, dragging 60 to 70 lbs worth of fish for ½ to 1 mile uphill is NOT easy. Bring your inhaler cupcake). If you forget anything these guys have it all, but expect to pay a premium.Here you can find a guide, lodging, equipment, etc.In case you’re wondering, Fat Nancy is a fish not an obese older woman who owns a tackle shop.Sorry to disappoint you.
By 5 pm we’re beat so we head off to check into our cabin at Catfish Creek Campground.If you get a cabin, it’s great.The trailers, not so much BUT, they are cheaper.I prefer to spend a few bucks more for the cabin.We chose CCC because it’s close to a number of fishing holes, the owners are friendly & the salmon/steelhead fishing is outside your doorstep.
The next few days we drove between fishing holes, caught a ton of fish, shared fish stories & created memories that will last a lifetime.Salmon fishing is the guy’s guy ultimate bonding trip.I have to say thanks to my dad for making the decision 28 years ago to take me fishing.
One thing is for sure, if you go, you won’t regret it.Take your kid too.He’ll love you for it. I know I did.Feel free to shoot me an email for additional tips on where to go & what to do while you’re there.
What I use: Links for equipment:
Orvis Chest Waders – Light weight, breathable, comfortable.If you plan on using your waders hard, spend the few extra bucks.If not get a pair from Cabela’s bargain bin. Cabela’s Ultralight 2 Lug Wading Boots – I walk (sometimes even run chasing fish) with these which is hard to do with heavy boots.Make sure you use the metal studs as the rocks are VERY slippery.You can also just buy corkers (spiked shoe that attaches to boot).Don’t go with just rubber boots unless you like to swim in cold water. Shimano Stradic CI4 fishing reel – Super light weight which makes it easier on an old injury to my shoulder Trekker Water Bottle Fanny Pack – I like a fanny pack because it’s small & you have everything you need around your waist.You can also pick one up at Walmart. Rapala Stainless Steel Fishing Pliers – These are a must.You can cut line, remove hooks, clamp down split shots, etc with these.I clip mine to my belt & have a cord tied to one end in case I drop them.Regular pliers will work too but I use mine for several kinds of fishing. Costa Del Mar Polarized Fishing Glasses – I like my Costa’s which are lifetime guarantee.If you’re just starting get some a cheap $20 pair.Serious fishermen will drop about $150 to $200 on these. Utility box – Buy 1 small one for your gear.You’ll only need hooks/flies, split shots (weights) & plastic eggs or sponges. Crazy eggs or wally wogs – get a few packs as you will lose quite a few Owner hooks – these hooks are sharp! The sharper the hook, the less fish you’ll lose. Tin split shots – again buy a few bags of these as you will lose them & they’re cheap. Salmon fishing rod – personal preference here – I like a 8’6” to 9” medium action rod.
Sincerely,
Joe Gonzalez Senior Loan Consultant Meridian Bank - NMLS #126036 920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net
Why Rent? Fixed FHA Mortgages at only 3.75% (5.092 APR)! King of Prussia, Plymouth Meeting, Phoenixville
Why haven’t you bought a home yet?Is a 20% down payment keeping you from buying a home? Have you rented for a long time & just aren’t sure?Are you a long time renter in the market to buy?Living in the King of Prussia, Plymouth Meeting, Phoenixville or the surrounding areas? Well stop renting already!FHA could be the answer you’re looking for.
Okay let’s use some real world #’s to help you appreciate what FHA can do for you.
How much are you borrowing
In this example the client (you) are buying a home using FHA (Line A). Current rates are around 3.75%/5.092% APR (B) for a 30 year fixed (C).The purchase price is $200,000 (D) & you will put down FHA’s minimum down of 3.5%.Your base mortgage will be for $193,000 (E) & your total mortgage $194,930 (F) due to the Upfront Mortgage Insurance required by FHA (email if you want more info on mortgage insurance).
Your monthly payments
Your principal & interest payment will be $902.75 (G), property taxes guestimate $250 (H), monthly mortgage insurance $184.96 (I), homeowner’s insurance guestimate $50 per month (J) for a grand total of $1,387.71 total monthly payment (K).
Total cash needed at closing
Your down payment is 3.5% (L) of $200,000 (D) which is $7,000.The closing costs are $5046.25 (M), the escrows/prepaids $4,000.41 (N) & Upfront Mortgage Insurance $1,930.00 (O).Your total costs are $9046.25 for closings costs (M) & escrows/prepaids (N).The seller* can pay for the closing costs which is $9,000 (P).Remember that in line F we are lending you the money for the upfront mortgage insurance (O).
Bottom line out of pocket = $7,046.66
Now I’m sure I lost a few of you somewhere in the translation so click below for a video explanation.If you have any other questions give me a call or send me an email!
USDA Rural Housing has been taxpayer-subsidized for years.Long gone are those days.The USDA Rural Housing Program will no longer be dependent on tax payer money (wish we could say the same about the big banks! Can I get an AMEN!!) To stay in business, they started charging for the awesomeness of the program (as if you didn’t know that was coming). They not only charge mortgage insurance upfront now, but monthly as well for the life of the loan. (insert Homer Simpson like “DOH!” right here) Relax Homie, the upfront has gone down & the monthly isn’t bad.
USDA Rural Housing mortgage insurance rates are:
For purchases, 2.00% upfront fee paid at closing, based on the loan size - down 1% from 3% total
For refinances, 1.00% upfront fee paid at closing, based on the loan size - no change
For all loans, 0.30% annual fee, based on the remaining principal balance - this sucks but just think – FHA is 1.15%!
Real life numbers for USDA Rural Housing:t Name
Okay so paying mortgage insurance for the life of the loan isn’t cool but before you get your panties in a bunch, let’s bring it back into perspective:
FHA charges 1.15%, which would be $184 per month (you may insert Homer-like “DOH!” again)
100% financing – this alone is worth it
The rates currently are in the high 3% to low 4% range
It’s 100% financing (yes I said this twice)
It’s now only 2% not 3% upfront so it takes a little of the bite out of it
So what’s your next step you say? (get ready for a shameless plug for the Joe Gonzalez Team at Meridian Bank)
I’m so glad you asked! Give Joe Gonzalez from Meridian Bank a call. I’ll be happy to help you with your financing needs! :-) I hope you enjoyed the info!
Sincerely,
Joe Gonzalez Senior Loan Consultant Meridian Bank - NMLS #126036 920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net
So you’re looking to buy a home, you don’t have a lot of cash to work with & want a low payment. Looks like you better go to Craigslist & see the rental section right?
Q: What is USDA Rural Housing? A:USDA Rural Housing Loans also called a Rural Development Loan, is a government insured home loan offering 100% financing to qualified buyers, allows for all closing costs to be paid for by the seller or financed into the loan (& the crowd goes wild!!). They offer some of the lowest rates of any loan at a fixed interest rate.
Q: What are the requirements for USDA Rural Housing? A: 3 parts to this answer.
1.Credit Worthiness: Your thinking, “Ok, I knew there’s a catch!”Relax Danielson.When your credit is reviewed for a USDA Loan the underwriter will be looking for a history of paying your bills on time.Slow pays & credit blemishes may be overlooked if you have established your credit over the past 12 months.A good credit explanation letter goes a long way.If you say “I didn’t pay because I really needed that new Trans Am to pick up a hot chick” well that’s not going to win you any brownie points.“I didn’t pay because I lost my job/got the bubonic plague/had 8 kids like octomom HOWEVER now I’m back to work & everything is hunky dory! Just check X references!” That will generally go much further….unless you still have bubonic plague.If you have open judgments or collections the UW will most likely ask that they be paid in full before you close.
2.Income: You will need to be able to document your income on a USDA Rural Housing Loan. USDA will generally want to see a two year history of employment or consistent income. “I’m a pizza guy, waiter, Columbian drug lord & can’t verify/get paid under the table” isn’t going to fly.There are exceptions on the two year requirement can be made for applicants such as students. On a USDA Loan Assets are not required for approval, but can help overcome any possible blemishes on credit.Keep in mind you MUST be within the maximum income limits.Click HERE for the USDA Rural Housing Income Eligibility.
3.Where you live: In order to qualify for a USDA Rural Housing Loan your home must be in designated USDA rural area. You can check the USDA eligibility of your county. It might will surprise you how many areas qualify! Scroll to the bottom to see some of the areas.I think you’ll be pleasantly surprised!
Q: Is the USDA loan program limited to first-time buyers? A: No, the USDA Rural Housing Program can be used by first-time buyers and repeat buyers.
Q: What mortgage products are available with a USDA mortgage? A: The USDA / Rural Housing Program offers 30-year fixed rate mortgages only. There is no 15-year fixed rate mortgage. There are no adjustable-rate mortgages. 30-year fixed only.
Q: I can't afford closing costs. Can I get a gift for my closing costs?
A: Yes, USDA loans allow gifts from family members and non-family members. You will need a gift letter to accompany your loan application. Your loan officer (that would be me) can give you one.
Q: Can I use the USDA loan program for an investment property or vacation home? A: No sir, the USDA Rural Housing Program is for primary residences only.
Q: Is there a minimum credit score for the USDA loan program? A: There is no minimum score, per se, but 640 is generally regarded as a cutoff point. If your FICO is below 640, you should be prepared to explain why your credit score is below 640, and provide documentation. If you are without a credit score, your lender may accept "alternate" tradelines to establish credit history.
This list is NOT meant to be a comprehensive overview of what the USDA allows, but it covers a lot of good ground.
If you want more information, talk to your lender (that would be me J) or reach out to me directly. USDA mortgage rates are low and my office underwrites and funds our USDA loans in-house.
While credit guidelines have tighten up quite a bit in recent years, there are many programs to help first time homebuyer’s purchase their home.One frequent question I run into is: “what if my credit is bad?"
My response: what is bad?There are differing levels of bad perceived bad.There are the following:
Your credit is fine - this normally is the accountant/bookkeeper (love that word & its 3 double vowels) that paid an account 1 day after the grace period & thinks they’re condemned to credit hell for an eternity.Don’t let your OCD stop you from applying for a mortgage.Find out before you decide to never attempt purchasing a home.
Your credit needs some work but you still qualify – this person has sufficient good accounts but had an unpaid hospital bill, utility bill or a minor 30 day late with the last year.No worries you will still qualify.
Your credit needs work: You lost your job, got sick,etc. & run into some serious credit issues that may will take time to correct however don’t worry.I’ll recommend you to a reputable credit counselor who can help you make the necessary corrections. PLEASE be patient & DON'T GIVE UP!
Your credit makes me scream Daaaaamn! – In this instance if I added your 3 credit scores together they still wouldn’t equal an acceptable score.I only found a handful of these in 15 years.This client lead deliberately avoids paying everything because they simply didn’t give a (see side picture).In this case, stick to renting because you don’t deserve a home. You’ll even default on your rent.When you start to CARE, call me & I’ll be happy to help.Until then DON'T waste my time or your realtor's!
No matter what your plight, get your credit checked….except for daaaamn credit type people.Please only call me when you decide to care about your future & I am willing to help.
Programs such as PFHA understand that it’s not a perfect world but people are trying.The rates are slightly higher at the moment but still competitive.The bottom line is that you can qualify & start building real equity for yourself & your family.
For those who have hit rough times but DESIRE to get back on their feet, it may be a long & sometimes challenging road.If you have too many accounts & there’s no way you can ever pay them off, a Chapter 7 bankruptcy may be your best option.I would be happy to recommend an attorney.But again, get your credit checked first.It may be not as bad as you think. Always remember that anything worthwhile in life you have to work for.
Sincerely,
Joe Gonzalez Senior Loan Consultant Meridian Bank - NMLS #126036 920 Germantown Pike, Suite 102 | Plymouth Meeting, PA 19462 | t: 610.739.6563 | f: 610.351.7810 |www.JoeGonzalez.net
Although Summer was officially over in September, I wasn't quite ready. Back pack in hand (if you read previous posts, you'll notice a theme) Jen and I headed to Puerto Rico for some fun & a wedding. Don't you love it when you can visit family that lives in a tropical climate?! :-)
I like adventure but not something that's going to kill me. We opted for zip lining at Toro Verde Adventure Park in Orocovis, Puerto Rico. The drive was amazing. Think long winding roads up a mountain into lush vegetation.
At Toro Verde, the zip lines in this course range from 800 feet to 2526 feet long. That is almost a ½ mile long! And the view you get at 600 feet off the ground is breath-taking!
We added "La Bestia" literally translated "The Beast" to our tour. This zip line is different from all the others. For this one, you are put into a large body harness, and you lay down and get attached to the cables from your back. So you are flying through the air like a bird (or Superman or Ironman). As far as I know, it is the only one of its kind in Puerto Rico.
At 4745 feet, it is almost a mile long (one of the longest zip lines in the world) and it is really, really high off the ground (853 feet)! This zip line takes about 2 minutes from end to end, and you are going pretty fast during parts of it — with the wind whipping across your face (hang onto your hats and sunglasses). You have time to really enjoy the scenery. It was really fun, and over way too fast — I could have done that again and again.
Since I love to fish, no trip to the Caribbean would be complete without tarpon. For the majority of the trip they eluded me; however on my last day, 3 hours before my flight left, my persistence paid off. This little guy jumped at least 4 to 5 feet in the air.
All in all a great trip. Summer is officially over but now it's time for some fall fun. Salmon fishing in upstate New York is next. I'll be sure to send some pics.
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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Thankfully, human sacrifice is not yet a requirement to improve your 
The easiest part is behind you, now comes the hard part… 
There has been so much talk about 
Sometimes these methods yield results, driving traffic to your blog and getting you higher on the search engines like 
The same basic marketing principles that have been needed to sell products for centuries are still necessary today. There are still no real short cuts. You may be thinking, "I thought this was about SEO, not marketing." Well, effective SEO has everything to do with marketing.
Posted by 
While credit guidelines have tighten up quite a bit in recent years, there are many programs to help first time homebuyer’s purchase their home.
Programs such as PFHA understand that it’s not a perfect world but people are trying.
