A Thursday Humor.....From an Attorney - 07/30/09 11:03 PM
I'm a licensed real estate attorney.  But I have litigated in court.  Needless to say.....I have friends who send me this stuff from time to time.  It's good humor meant to keep me and us all humble.  Hope you enjoy.....
These are from a book called Disorder in the American Courts,and are things people actually said in court, word for word, taken down andnow published by court reporters that had the torment of staying calm whilethese exchanges were actually taking place.       ATTORNEY:   What was the first thing your husband said to you        that morning?       WITNESS:    He said, … (14 comments)

Wordless Wednesdays - Do you want this for your health insurance? - 07/29/09 04:09 PM
This isn't about Obama.  this is about insanity.  Health care reform?  How bad was it?  Asking the goverment to check your prostrate?  Your tonsils?  Give me a break.  Driving good doctors into retirment earlier.  It's a shame.  Healthcare needs reform.  Take out the middlemen, but DON'T LET THE GOVERNMENT IN EITHER!
… (21 comments)

Wordless Wednesdays - Dad's Angel - 07/29/09 07:16 AM
This is the reason that I became a father.  For the love of kids.  The eyes, the enamored look, the pure joy and bliss say it all.  She's in love.  Sure she loves me, but no, more importantly, she loves life, loves her summer and loves playing at the beach.  She has the world by the tail and her worst problem is when she gets tired.  Boy is dad a lucky boy!
… (19 comments)

Reminder for Tomorrow's Teleseminar with Yours Truly and Tom Ward - 07/28/09 09:11 AM
OK kids, tomorrow is D-Day.  We already have a lot of people signed up for this webinar with myself and Tom Ward.  Tom and I will be speaking on the $8,000 tax credit.  There are so many people sitting on the fence right now.  Our duty tomorrow will be to educate them.  Let's get them off of the fence.  Some will end up not buying, but others will know without a doubt, that the time to buy couldn't be better.  If you have a fence sitter, get them registered now.
If you're a consumer, and are a fence sitter.  Get on … (1 comments)

Mom's Prescription For the Healthcare Reform Act....Let the legislators go first - 07/27/09 03:35 PM
OK, so this weekend I go up to my farm in Wisconsin for a kids weekend.  I leave my wife home so that she can have her reunion with her college buddies while I take my 5 kids and my niece with me to the farm for the weekend.  My brother, Mark, lives close by in the booming metropolis of Sheboygan, Wisconsin.  We hook on Saturday.  He's there with his 8 kids and then mom and dad stop by on the way to their vacation home up in Door County. 
While we're having some fun banter on politics and solving … (25 comments)

HTML, Bells & Whistles and Just Plain Blogging Help - 07/25/09 08:16 AM
OK....here's where I need the 101 help.  I'm really stuck....
How do I get color into my text? How do I change the size of my text? How do I add the follow me on Facebook tags for the blogs or on the right side of the page? Those are my burning questions here.  I know that I've been here quite a bit, but I'm a neophyte when it comes to some of the techy stuff here.  Thanks.....looking for some real basic 101 or point me in the direction for me to find it.  Thanks all.
… (7 comments)

Campton Hills - More Liability for the Taxpayers????? Go away already! - 07/25/09 07:50 AM
More stuff happening to negatively impact the taxpayers of Campton Hills. I just heard that the village now wants to hire more support staff and cut funding of the police department.  Now, from the article below, an ex employee of Patsy Smith says....hey, pay me my money.  I'm not sure why we have these issues?  Could this all been rectified when Patsy terminated the employee.  Evidently not.  Too bad....now the taxpayers are once again exposed b/c the leadership didn't do all they could to protect them.  Last week a $10,000,000 suit came against campton because of accusations of poor judgment wtih … (1 comments)

Progress being Made with the HVCC Moratorium..... - 07/23/09 11:05 AM
I received this yesterday.  As people know, I'm so passionate about the damage that HVCC is doing to not only the real estate market, but invariably the entire United States Economy.  I know that they are working on putting an 18 month moratorium on HVCC.  Sure, I'm OK with some oversight, but the way that the government is rolling this thing out is horrible for everyone.  Here's the lastest. 
Please Sign the Petition Below if You Haven't already!
… (1 comments)

HOMEBUYERS....A Webinar for Everything you Need to Know about the $8,000 Tax Credit!!!! - 07/23/09 08:17 AM
I've been presenting quite a bit about the $8,000 tax credit.  This is so huge for homebuyers.  There are so many questions that homebuyers have:
1)  Whats the difference between a tax credit and a tax break?
2)  How long is this good for?
3)  What are the risks for waiting? 
4)  Is it too late to use the credit for my 2008 taxes?
5)  What issues abound that might prevent me from receiving my Tax Credit?
Join Tom Ward, the owner of Majestic Consulting, and myself, July 29th at 7:30 pm, CST for a one hour webinar to answer these specific questions … (3 comments)

Wordless Wednesday - My Brother, The Arctic Fishing Warrior!!!!!! - 07/22/09 07:31 AM
… (13 comments)

United States Representative Mark Kirk Announces Bid for Illinois Senate - 07/22/09 07:09 AM
This news jujst came out yesterday.  But in purportedly would be the biggest news in current Illinois government poliitics, Representative Mark Kirk is Officially in the U.S. Senate Race to replace Roland Burris.  As most people know, Illinois politics are as controversial as they get.  It seems that both parties are not trying to throw out "clean" people to run not only for Ex Governor Blagojevich's Governor position, but now that by the one that used to be held by Obama and Burris.
As Reported by the Chicago Tribune.

U.S. Rep. Mark Kirk officially in Senate race
'It's time to … (5 comments)

Batavia Illinois Makes CNN's Money's Top 100 Places to Live - 07/21/09 10:27 AM
So Batavia, Illinois gets makes CNN Money's top 100 places to live.  Honestly, it makes number 56.  I was surprised that Saint Charles and Geneva weren't ranked higher, but we're all part of the same Fox Valley.  This is a huge boon for our community.   We've always had a great community, but this really allows for some more recognition.  Thanks CNN Money Magazine!!!!  We're proud of Batavia as well.
As seen in CNN Money.... www.money.cnn.com/magazines/moneymag/bplive/2009/index.html
… (1 comments)

Secret Service - Jenna Bush and Barack Obama - 07/21/09 08:30 AM
Ther's a new book by Ronald Kessler.  It's "In the Presdients' Secret Service: Behinnd the Scneses with Agents in the Line of Firer and the Presidents they Protect." 

Basically, the book goes into the rebellious, but normal life of a 19 year old Jenna Bush who hated being spied on every second of the day.  I guess she would try to ditch the secret service in her car and run red lights just to loose them.  It got to the point that the Secret Service had to post an agent full time on her car just to make sure that … (16 comments)

Campton Hills Sued for $10,000,000 for Releasing a DUI violator to his own custody. - 07/20/09 09:17 AM
Here's the follow up information as "REPORTED" in The Chronicle....  www.kcchronicle.com/articles/2009/07/18/45565719/index.xml
The family of a Montgomery man struck and killed by a car after he was released on bond for a drunken driving arrest, is suing Campton Hills police and a Wasco pub.The lawsuit claims Campton Hills officers had a responsibility to keep Marcel Lizak safe, shouldn't have let him leave intoxicated, and in doing so, violated his rights.The complaint also blames Old Towne Pub and Eatery in Wasco and two of its bartenders for serving an intoxicated Lizak, who reportedly had a blood alcohol level of 0.233 - nearly three … (4 comments)

Speechless Sunday Smoky Mountain Sunset - 07/19/09 11:33 AM
Nice Picture in the Smoky Mountains.  I was always an Arctic and Colorado Man myself, but this sunset makes me reconsider who makes the best sunsets.  I love the sunsets against the Rocky Mountains.  The sun may never set when we go up in the Arctic.  But when it does, the northern lights are something else.  The Smokys don't do too bad themselves.
… (12 comments)

Campton Hills gets included in lawsuit for $10,000,000 - 07/18/09 04:16 PM
There is an article in the Daily Herald about a $10M lawsuit filed against the Village of Campton Hills, the Police Department of Campton Hills, Chief Anderson and several officers and Old Towne Pub and several employees.  The suit is by the family of Marcel Lizak of Montgomery, IL.  Unfortunately, it is not available electronically at this time.
Lizak was arrested for DUI on August 2 of 2008 about 6:15 PM by the Campton Hills Police and taken to Village Hall.  He was allowed to post bail by credit card and was released.  He then went to Old Towne Pub and continued drinking, leaving there about … (4 comments)

276,000 new homes per week going into foreclosure - 07/18/09 12:22 PM
Pretty amazing stats if you ask me.  I was on a seminar with a well known speaker yesterday in the mortgage industry.  He was whipping out some facts.  We spoke a bit about how by 2010 less than 7% of the mortgage market should be refinances.  This means that there will be a huge shift in the way that we do business.  But what I found most interesting was the fact that foreclosures are still coming fast and furiously.  Just amazing.  Want to have your take on it and know your thoughts.
Not a lot to say...just looking for some feedback … (8 comments)

Friday's Humor - 07/17/09 01:09 PM
Yesterday I was at my local COSTCO buying a large bag of Purina dog chow for my loyal pet, Biscuit, the Wonder Dog and was in the checkout line when a woman behind me asked if I had a dog. What did she think I had, an elephant? So since I'm retired and have little to do, on impulse I told her that no, I didn't have a dog, I was starting the Purina Diet again. I added that I probably shouldn't, because I ended up in the hospital last time, but that I'd lost 50 pounds before I awakened in an … (11 comments)

Active Spam???? What's up with that? - 07/16/09 11:32 AM
I just signed on to Active Rain this morning and was so excited to see all of the new comments on all my old posts.  Needless to say, I clicked on the first one and it was spam.  I clicked on the 2nd one and it was spam and so on and so on and so on.  It turned out that I had about eight spam calls in the last couple of hours.  I haven't had 8 spam e-mails in the last 5 months.
What gives?  Is this a new super spammer or is this just that someone is hacking the … (11 comments)

A Private Investigator Called Me about An Active Rain Post Last Night - 07/14/09 09:36 AM
Most people know that not only am I an originator, branch manager, and a regional manager, but I'm also a practicing real estate attorney as well. Last night I was stunned when I received a phone call from a private investigator from the west coast.  Specifically she want to ask me about my Countrywide posts before and during their major collapse.  I remember writing about 5 of them when they were the headlines of the mortgage news:
Countrywide Investigation? Could pose more instability for the enitre industry
Dust is Settling at Countrywide
Death of Countrywide? I hope not.....
B of A starts … (28 comments)

What Part of ACTIVE Don't you Understand? - 07/13/09 08:25 AM
I was just honored to be accepted into Active Rain's Ambassador Program.  Needless to say, I'm excited, nervous and curious as to how good I will or won't be in helping others dominate the world of internet real estate.  You see when I applied based upon Brad Anderson's post, The ActiveRain Ambassador Program, I wasn't sure if I would get picked because, quite frankly, I'm not nearly as great as some of my Active Rain Mentors.  I don't belong on the same field....much less in the same stadium as some of these guys. 
However, when reading the post by Brad, he … (47 comments)

Speechless Sunday - 4th of July Firework Remnants - 07/12/09 08:57 PM
Pyromaniacs need apply.  It was a night of fun and decadence for pyromaniacs.  I'm just so exhausted.  It's a lot of work having a few beers, and lighting up the sky for the neighbors, friends and family.  We had so much fun....and the kids went ballistic.  I can't wait for the 4th of July for next year.  Either can the kids!
… (11 comments)

Young Life Prayer Blitz - - - - 07/11/09 11:13 AM
Young Life of the Tri-Cities has challenged every person affiliated in any way to join for a 1/2 hour prayer blitz over the weekend.  Each person has signed up for 1/2 hour to pray for the needs and success of Young Life, Kane County, beginning Friday night and concluding tomorrow, Sunday night at 6:00 pm.  Yes that means that some people (who are better than me) are praying at 2 and 3 and 4 in the morning.  Yikes!!!
I just finished my 1/2 hour session.  Thankfully they gave me some things to pray for.  My shallow mind can only pray so … (2 comments)

Energy Efficient Mortgages??? Green has finally arrived! - 07/09/09 10:34 AM
Finally, mortgage lending seems to be getting caught up with the rest of the world when it comes to green.  I had started a draft on green mortgage lending in Active Rain and then saw and participated in the post by Ritu Desai   Calculate your Carbon Footprint and decided that it was time for the information to be shared with the rest of the world.
ENERGY EFFICIENT MORTGAGES or EEM's are Here!!!!
Here's the facts that you need to know:
1)  Can be used for purchase or refinance to incorporate the costs of the improvements into the mortgage;
2)  Dollar amount can't exceed … (3 comments)

A Vacation to Recharge!!!! - 07/09/09 09:11 AM
You want a story????  I have  a story for you. 
Last week a I took my first full week off in over two years.  I left my wife home with our soon to be 2 year old.  I took the other 5 kids with me to the farm in Wisconsin.  It was a blast.  If you've ever read the book, Wild At Heart, by John Eldridge, you'd understand how important it is for a dad to be involved intimately in the lives of his kids.  I told the kids that this was going to be a fun adventure.
One half way … (7 comments)

Wordless Wednesdays - 07/08/09 08:51 AM
OK....even thought it's the Bellagio Hotel, I am stunned that you can find such beauty in all of the ponds.  Sure it's a gambler's paradise.  Sure it's the mecca of "Sin City," but I guess it goes to show that you can find beauty almost anywhere..... if you look hard enough.  It didn't take long for this flower to be found.  I don't even know what kind it is....but it's beautiful nonetheless.
 

… (7 comments)

When the Campton Police Shut down my 4th of July Party!!!! - 07/07/09 11:38 AM
I had the best 4th of July party....bar none!
We were to have a great 4th of July party as always, but the rains came a down.  They were consistent all day.  The last thing that I wanted was for 40 people to be hanging in our house with the kids running in and out all day tracking crap in while we waited for the fireworks to begin.
Every year, we buy a lot of fireworks and put on a display that the entire neighborhood comes to see.  It's just so awesome.  Being a pyromaniac helps.  I light up the sky … (10 comments)

1 Billion People to View Michael Jackson's Memorial? - 07/07/09 08:50 AM
Let me just say that I was a Michael Jackson fan.  He was a phenomenal entertainer, a great musician and one heckuva song writer.  His personal life was a wreck though.  I think his parents screwed up raising him, but in the end he paid someone $20,000,000 to settle out of court for the child molestation charges.
Now...at the ripe old age of 50 Michael is in a situation where one in 7 people throughout the world are to watch his memorial service today.  Me??????  I'm so bummed that he's gone.  But the worship of the world is, in my opinion, quite … (15 comments)

What a Wimbledon Final - 07/06/09 09:51 AM
We had our 4th of July party on the 5th of July.  Fortunately, we did all the work for the 4th of July.  The weather told us that we were going to have to postpone the party and our fireworks until the 5th of July.  The silver lining was that we were all done prepping the morning of July 5th.
So....as an avid sports fan.  Specifically, I like violent sports, MMA, Football, Boxing and anything that's fast paced.  I hate soccer and baseball (low scoring).  For whatever reason, I love Tennis.  I supposed that I was on the High School Team … (8 comments)

Happy Birthday Grandpa Vogel - 07/04/09 10:47 PM
My mom's father was what every man should be.  He lived in Grinnell, Iowa.  He was one of 8 and was destined to be a farmer.  He had allergies, so great grandpa went to the fields and said "Charlie, you're not fit to be a farmer, you're going to the University of Iowa.  They packed his bags and off he went.
After becoming an attorney, he helped Kennedy and Truman get into the presidency and was offered positions in each office in Washington, D.C.  He gracioiusly declined as he wanted to represent the farmers in his hometown.  He ended up buying … (5 comments)

WRITE ON, Brother, WRITE ON!!!! The Power of Note Writing!!!! - 07/01/09 11:15 AM
Write on!!!!!
Looking for a way to create relationships?  Looking for a way to deepen your relationships?  Then write a note.  Writing is fast becoming a lost art.  The days of the handwritten note are so far gone that the recipient of a handwritten note almost calls 911 asking for someone to bring an oxygen tank to the reader.
I remember when I went to a turning point retreat with Brian Buffini.  I heard two stories that blew me away.  The first revolved around George Bush, senior.  He said that he wrote notes daily as part of his daily discipline.  At … (49 comments)

Wordless Wednesdays - Sonoma - 07/01/09 10:21 AM
What can I say?  It's not often you get to play with a camera to take some rockin pictures.  This comes to me via my brother, Dr. Matthew Bettag.  He was out in Sonoma with his first wife, Stephanie (she say "and his only wife).  They had a great vacation and thought that Sonoma was just an awesome place to visit.... as well as drink some wine.  Sounds good to me.  Can't wait for my wife and I to get out there as well!
… (10 comments)

 
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Larry Bettag Illinois FHA Specialist

Saint Charles, IL

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Larry Bettag - Cherry Creek Mortgage

Address: 40W310 LaFox Road, Saint Charles, IL, 60175

Office Phone: (630) 524-9677

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 1 “Let not your heart be troubled; you believe in God, believe also in Me. 2 In My Father’s house are many mansions; if it were not so, I would have told you. I go to prepare a place for you. 3 And if I go and prepare a place for you, I will come again and receive you to Myself; that where I am, there you may be also. 4 And where I go you know, and the way you know.”
(John 14:1-4, New King James Version) I review for BookSneeze

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