Colorado Lender

Colorado Lender http://activerain.com/blogs/lifetimelender Information on what's happening TODAY in the ever changing world of mortgage lending. en-us http://activerain.com/blogsview/2435064/active-rainers-donna-foerster-needs-your-prayers- Active Rainers! Donna Foerster needs your prayers! <p><img src="http://s3.amazonaws.com/activerain-image-store-2/agents/173059/large/donna_and_rich_-_Copy.jpg?1253821768" alt="Donna_and_rich_-_copy" style="margin: 6px; display: block; float: left;">Many of you have seen <a href="http://activerain.com/foersters" title="Donna Foerster">Donna</a>'s picture, read her blog, and even been regular commenters on her posts. Her husband, Rich, told me today there have been many emails sent to Donna from her friends at AR asking where she was and was she okay because she hasn't been blogging. So, with his permission, I'm writing a brief post to let you know how concerned we are all about her health right now. And to ask for your prayers.</p> <p>Donna wasn't feeling well early last week, she thought she might have eaten something that caused food poisoning. Just a little over a day and a half later, she needed to be rushed to the hospital, had undergone two surgeries, and as of today, a week ago now, she still has not regained consciousness long enough for the doctors to feel it's safe to remove her air tube. Her white blood cell count today was so elevated that it is obvious the removal of approximately 75% of her small intestine did not rid her body of all the infection. The last I heard the doctors were weighing the pros and cons of yet another surgery.</p> <p>Please take a moment to mention Donna in your prayers if you would.</p> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Wed, 03 Aug 2011 23:58:18 -0700 http://activerain.com/blogsview/2435064/active-rainers-donna-foerster-needs-your-prayers- http://activerain.com/blogsview/2353092/how-to-drive-business-from-facebook-fan-pages How to drive business from Facebook Fan Pages <p><strong>How to drive business from Facebook Fan Pages</strong></p> <p>The following three steps should be helpful if you have been wondering <strong>how to drive business from Facebook Fan Pages</strong>.</p> <p>1) Learn it.<img title="how to drive business from Facebook Fan Pages" src="http://activerain.com/image_store/uploads/3/2/1/8/9/ar130826774398123.jpg" height="121" alt="" width="116" style="margin: 6px; float: right;"></p> <p>2) Implement it.</p> <p>3) Most importantly: Teach it! To other businesses that can ultimately grow YOUR BUSINESS!</p> <p>So, first let's start with steps one and two in the process of figuring<strong>how to drive business on Facebook Fan Pages</strong>. Here are some quick links to YouTube videos that will take you step by step to help you with creating and customize a fan page. (Don't worry... you don't have to look like the guy at the right to figure this out!)</p> <p>Creating a fan page:  <a href="http://youtu.be/uvcnpBNym10">http://youtu.be/uvcnpBNym10</a></p> <p>You might want to add a "landing page" to your fan page. Facebook eliminated the FBML option a couple of months ago, leaving us currently with I-frame options. A little more difficult, in my mind, to work with, but there are a number of free templates that you can find to easily create a welcome message for your fan page. Here's just one example: <a href="http://www.pagemodo.com/product.html">www.pagemodo.com/product.html</a> Or, try <a href="http://www.wix.com">www.wix.com</a>. For most of us, the most difficult part here is creating the graphic image! (Hey, there's also a template for real estate agent landing pages for $39 at <a href="http://www.facebookcustombusinesspages.com">www.facebookcustombusinesspages.com</a>!)</p> <p>But there is so much more that needs to be done besides a landing page. Here's a great video showing you how you can add SEARCH HOMES options on your sidebar (the video also speaks of a welcome page and YouTube Videos): <a href="http://youtu.be/X9Zk1O-WzDo">http://youtu.be/X9Zk1O-WzDo</a></p> <p>And the most important step in finishing the task of <strong>how to drive business from Facebook Fan Pages</strong> is 3) TEACH IT! Share what you have learned in creating your own fan page with other businesses! Here's even a YouTube video that will give you ideas on helping you work with restaurants: <a href="http://youtu.be/BlRx7W-7f6w">http://youtu.be/BlRx7W-7f6w</a></p> <p>Think those restaurants might be happy to display your business cards if you help them create their fan page??</p> <p><img title="how to drive business from Facebook Fan Pages" src="http://activerain.com/image_store/uploads/8/1/5/4/1/ar1308268514518.jpg" height="100" alt="" width="67" style="margin: 6px; float: left;">If helping employers, think of the exposure you can get with HR departments... and employees! If you're looking for talking points when approaching businesses to help them build their own fan page, just go to YouTube and search for that industry specifically. You'll get tons of ideas of other companies or employers that are also interested in the same thing you are: <strong>how to drive business from Facebook Fan Pages</strong>.</p> <p>Use these opportunities not only to generate lead opportunities through the relationship you are developing, but don't forget to invite them to like YOUR fan page while your at it!</p> <p> </p> <p> </p> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Thu, 16 Jun 2011 20:02:39 -0700 http://activerain.com/blogsview/2353092/how-to-drive-business-from-facebook-fan-pages http://activerain.com/blogsview/2334032/fascinating-website-the-museum-of-me-a-visual-archive-of-your-social-life Fascinating Website - The Museum of Me - A Visual Archive of Your Social Life <p></p><p>If any of you follow Craig Rutman, you know he is quite the character. You never know what to expect from him next.</p> <p>But I just couldn't pass up the opportunity to reblog this post he recently made. I tried it out and was amazed! It really puts the world of social media relationships into perspective. Try it out for yourself!</p> <p>Ruth</p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/2328460/fascinating-website-the-museum-of-me-a-visual-archive-of-your-social-life">Craig Rutman Raleigh/ Cary/ Apex area Realtor (Home Buyer and Seller Specialist)</a></b>:<br><blockquote> <p style="text-align: center;"><strong><big><big><big>The Museum of Me</big></big></big><br></strong><big><big><strong> </strong><br> OK folks, in my continuing efforts to visit every web site ever created, </big></big></p> <p style="text-align: center;"><big><big>I came across this one put together by Intel.<br> <br> The Museum of Me is without question one of the coolest things </big></big></p> <p style="text-align: center;"><big><big>I've seen in a very long time.</big></big></p> <p style="text-align: center;"><big><big>And some things are just too good not to share. </big></big></p> <p style="text-align: center;"><big><big>This is one of those things...<br></big></big></p> <p style="text-align: center;"><a href="http://www.intel.com/museumofme/r/index.htm" target="_blank"><img title="The Museum of Me" src="http://activerain.com/image_store/uploads/4/5/7/1/9/ar130696446091754.png" height="279" alt="The Museum of Me" style="border: 3px solid black;" width="590"></a><big><big><br> <br> To create your own <strong>Museum of Me</strong>, just click on the picture in this </big></big></p> <p style="text-align: center;"><big><big>post and you'll be connected to the </big></big></p> <p style="text-align: center;"><big><big>"<a href="http://www.intel.com/museumofme/r/index.htm" title="The Museum of Me" target="_blank"><strong>Museum of Me</strong></a>" web site.<br></big></big></p> <p style="text-align: center;"><big><big> <br> Once you're there, click on the "Connect to Facebook" link.<br> <br> Allow access.<br> <br> Then sit back and watch as your very own "<strong>Museum of Me</strong>" is created!<br> <br> I was fascinated by it and I think you will be too.<br> <br> Enjoy!</big></big></p> <br><br> <center><div> <a href="http://www.addthis.com/bookmark.php?v=20"><img src="http://s7.addthis.com/static/btn/lg-share-en.gif" height="16" alt="Bookmark and Share" style="border: 0;" width="125"></a> </div></center> <p></p> <center><a href="http://activerain.com/action/blogs_admin/subscribe?subscribed_agent_id=15866" title="Subscribe to my blog!" target="_blank"><img title="Subscribe to my Blog!" src="http://activerain.com/image_store/uploads/5/5/7/3/9/ar123230566493755.jpg" height="218" alt="Subscribe to my Blog!" width="145"></a></center> <p style="text-align: center;"><a href="http://www.justnchomes.com" target="_blank"><img src="http://activerain.com/image_store/uploads/4/8/9/1/6/ar128759152461984.jpg" height="200" alt="" width="200"></a></p> <center> <strong>About The Author</strong> <p><strong>Craig Rutman</strong> is a <strong>North Carolina Residential Real Estate</strong> <strong>Specialist</strong> that can assist you with the purchase and/or sale of real estate in the <strong>Raleigh - Cary – Apex metro</strong> areas; or any place else in the country by connecting you with a relocation professional in your destination of choice. </p> <p> </p> <p> </p> <center> <strong>To find all available homes for sale in the Triangle area of North Carolina, please visit <a href="http://www.JustNCHomes.com" target="_blank">www.justnchomes.com</a> </strong> </center> <p><strong><center> Call me TODAY at 919-349-9530</center></strong> <a href="mailto:Craig.Rutman@gmail.com"><p></p> <center><strong>Email me with your Raleigh - Cary – Apex area questions</strong></center></a></p> </center> <br><br> <center><a href="http://www.copyscape.com/"><img title="Do not copy content from the page. Plagiarism will be detected by Copyscape." src="http://banners.copyscape.com/images/cs-wh-3d-234x16.gif" border="0" height="16" alt="Page copy protected against web site content infringement by Copyscape" width="234"></a></center> <div class="agent_signature"> <p style="text-align: center;"><a href="http://www.facebook.com/people/Craig-Rutman/1213642177" title="Craig Rutman" target="_TOP">Craig Rutman</a><br><a href="http://www.facebook.com/people/Craig-Rutman/1213642177" title="Craig Rutman" target="_TOP"></a></p> <p style="text-align: center;"><img src="http://badge.facebook.com/badge/1213642177.2483.2121785166.png" height="84" alt="" width="556" style="border: 0px none;"></p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"><a href="mailto:info@justnchomes.com" title="Send me an email" target="_blank"><img title="Email Me!" src="http://activerain.comhttp://activerain.com/image_store/uploads/6/7/8/5/5/ar128217942355876.jpg" height="148" alt="Email Me!" width="106"></a><a href="http://twitter.com/CraigRutman" title="Follow me on Twitter" target="_blank"><img title="Follow me on Twitter!" src="http://activerain.comhttp://activerain.com/image_store/uploads/4/0/1/1/1/ar128218015711104.jpg" height="149" alt="Follow me on Twitter!" width="107"></a><a href="http://www.linkedin.com/myprofile?trk=hb_pro" title="Let's connect on LinkedIn" target="_blank"><img title="Connect with me on LinkedIn" src="http://activerain.comhttp://activerain.com/image_store/uploads/1/6/3/6/6/ar128218023266361.jpg" height="150" alt="Connect with me on LinkedIn" width="111"></a><a href="http://www.facebook.com/home.php?#%21/profile.php?id=1213642177" title="Friends on Facebook" target="_blank"><img title="Let's be friends on Facebook" src="http://activerain.comhttp://activerain.com/image_store/uploads/1/3/2/9/1/ar128217977719231.jpg" height="147" alt="Let's be friends on Facebook" width="108"></a><a href="http://www.youtube.com/user/walstib3" title="See my videos on Youtube" target="_blank"><img title="View my videos on Youtube" src="http://activerain.comhttp://activerain.com/image_store/uploads/1/9/7/1/6/ar128218105061791.jpg" height="147" alt="View my videos on Youtube" width="102"></a><a href="http://picasaweb.google.com/craig.rutman" title="View my creations on Picassa" target="_blank"><img title="See my creations on Picassa" src="http://activerain.comhttp://activerain.com/image_store/uploads/1/0/2/1/1/ar128218510111201.jpg" height="147" alt="See my creations on Picassa" width="102"></a></p> <p style="text-align: center;"><a href="http://www.google.com/search?hl=en&client=firefox-a&hs=0WT&rls=org.mozilla%3Aen-US%3Aofficial&q=%22craig+rutman%22+%22real+estate%22&btnG=Search&aq=f&aqi=&aql=&oq=&gs_rfai=" target="_blank"><img title="Need a Realtor with a web presence? Google Me!" src="http://activerain.com/image_store/uploads/8/6/8/7/3/ar128231785337868.jpg" height="158" alt="Need a Realtor with a web presence? Google Me!" width="107"></a></p> <p style="text-align: center;"> </p> <p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/~r/CraigsRaleighCaryApexAndWakeCountyRealEstateBlogandOtherAssortedMusings/~6/2" target="_blank"><img src="http://feeds.feedburner.com/CraigsRaleighCaryApexAndWakeCountyRealEstateBlogandOtherAssortedMusings.2.gif" alt="Craig's Raleigh, Cary, Apex and Wake County Real Estate Blog...and Other Assorted Musings!" style="border: 0;"></a></p> </div> </blockquote> </div> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Sun, 05 Jun 2011 09:25:39 -0700 http://activerain.com/blogsview/2334032/fascinating-website-the-museum-of-me-a-visual-archive-of-your-social-life http://activerain.com/blogsview/2307385/costa-rica-land-for-sale- Costa Rica Land For Sale <p> </p><p><strong>Costa Rica Land for Sale</strong></p> <p>Unbelieveable values for <strong>land for sale</strong> in Costa Rica. We have a son that has lived there for 17 years and loves it! Look at this post for an example of <strong>land for sale</strong> - views, acreage, did I say views???!!!</p> <p>Click <a href="http://www.jotform.com/form/11315131958" title="Costa Rica Land For Sale" target="_blank">Costa Rica Land For Sale</a> to get a white list from these agents of properties available in Costa Rica.</p> <p><em>Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</em></p> <p><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" width="100"> Ruth Vogt, Branch Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>    <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a><a href="www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"></a><a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" title="Colorado Home Lending Team" target="_TOP"></a></p> <p> </p> <p> </p> <div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/2296907/costa-rica-land-for-sale-you-have-to-learn-more-take-a-look">Kellie Morrissey CO Realtor CRS, GRI, CDPE (Keller Williams Realty Success LLC)</a></b>:<br><blockquote> <p><span style="font-size: small;">Costa Rica Land For Sale</span></p> <table border="0" cellpadding="4px" width="100%"> <tbody> <tr> <td bgcolor="#666666"><span>PROPERTY DESCRIPTION</span></td> </tr> </tbody> </table> <table border="0" width="100%"> <tbody> <tr> <td width="455px"><img src="http://www.helpingdenvermove.com/property/ef67488d1f-Dominical/i/306582/0/m?pid=&dt=2011.5.7.16.51.24" alt="" style="width: 450px; border: 1px solid black;"></td> <td> <span> <span style="color: #666666; font-size: large;"> <strong>Starting From $39,500</strong> </span> </span> <table border="0" cellpadding="4px" width="100%"> <tbody> <tr> <td bgcolor="#666666"><span>PROPERTY DESCRIPTION</span></td> </tr> </tbody> </table> <span style="font-size: small;"> <strong><br>Beautiful Views, Pacific Ocean, Mountain, Valley, and Riverfront acreage for sale.1 to 75 acres in Dominical area. Prices stating at $39,500. All Parcels Have Water and Electric to the site. Contact Info: Patrick Titterington Phone 506-2787-0372 in Costa Rica. Phone 941-227-2785 in the USA "Thanks/Pura Vida"-PT For the complete list of properties for sale in this area click here to have the list emailed to you directly <a href="http://www.jotform.com/form/11315131958" rel="nofollow">http://www.jotform.com/form/11315131958</a> </strong></span><strong> </strong> </td> </tr> </tbody> </table> <table border="0" cellpadding="4px" width="100%"> <tbody> <tr> <td bgcolor="#666666"><span>BEACH FRONT ACCOMMODATIONS</span></td> </tr> <tr> <td> <p>Choose from our large 2 story beach house that sleeps up to 6, with 2 bedroom, 2 bath, jacuzzi, and 2 car garage. Or our 1 bedroom guest cottage with queen futon that can accommodate up to 4. Just completed in late 2005, both beachfront house and guest cottage comes with every amenity you could desire to make your vacation a memorable one. Comfortable lounge chairs surround our large 18 by 36 pool for sun-worshippers, or if you prefer a shady spot, choose one of the numerous hammocks for reading, relaxing, or a siesta. The nearby rancho, with it's gas BBQ is perfect for outdoor grilling and dining, or just checking out the friendly iguanas. Enjoy incredible beach sunsets from your balcony or stroll the secluded mile long beach, shelling or searching out flocks of parrots, toucans, sloths or monkeys. <a href="http://www.beachhouseincognito.com/" rel="nofollow">http://www.beachhouseincognito.com/</a></p> </td> </tr> </tbody> </table> <table border="0" cellpadding="4px" width="100%"> <tbody> <tr> <td bgcolor="#666666"><span>CONTACT INFORMATION</span></td> </tr> </tbody> </table> <table cellspacing="8" border="0" width="100%"> <tbody> <tr> <td></td> <td width="370">Gringo Grande Properties<br><br>Patrick Titterington<br>Dominicalito Costa Rica<br><br>506-2787-0372<br>USA 941-227-2785<br>pt@gringograndeproperties.com<br><a href="http://www.gringograndeproperties.com/?ac1=LST01" rel="nofollow">http://www.gringograndeproperties.com/</a> </td> </tr> </tbody> </table> <table border="0" cellpadding="4px" width="100%"> <tbody> <tr> <td bgcolor="#666666"><span>ADDITIONAL IMAGES</span></td> </tr> </tbody> </table> <table border="0" width="100%"> <tbody> <tr> <td><img src="http://www.helpingdenvermove.com/property/ef67488d1f-Dominical/i/306582/1/m?pid=&dt=2011.5.7.16.51.24" alt=""></td> <td><img src="http://www.helpingdenvermove.com/property/ef67488d1f-Dominical/i/306582/2/m?pid=&dt=2011.5.7.16.51.24" alt=""></td> </tr> <tr> <td><img src="http://www.helpingdenvermove.com/property/ef67488d1f-Dominical/i/306582/3/m?pid=&dt=2011.5.7.16.51.24" alt=""></td> <td><img src="http://www.helpingdenvermove.com/property/ef67488d1f-Dominical/i/306582/4/m?pid=&dt=2011.5.7.16.51.24" alt=""></td> </tr> <tr> <td><img src="http://www.helpingdenvermove.com/property/ef67488d1f-Dominical/i/306582/5/m?pid=&dt=2011.5.7.16.51.24" alt=""></td> <td><img src="http://www.helpingdenvermove.com/property/ef67488d1f-Dominical/i/306582/6/m?pid=&dt=2011.5.7.16.51.24" alt=""></td> </tr> </tbody> </table> <div class="agent_signature"> <p>Kellie Morrissey, MA, CRS, GRI, CDPE</p> <p>The City & Mountains Group</p> <p>Real Estate Broker</p> <p>Cell 303.877.2813</p> <p>Fax 720.266.6479</p> <p>Keller Williams Realty Success,</p> <p>LLC 10026 W. San Juan Way Suite 200 </p> <p>Littleton, Colorado 80127</p> <p>Current Homes for sale in <span style="text-decoration: underline;">ALL DENVER METRO AREAS</span> click here now: <strong><a href="http://www.mlsfinder.com/co_metrolist/kelliemorrissey/" title="COLORADO HOMES FOR SALE" target="_blank">COLORADO HOMES FOR SALE</a></strong></p> <p>Current homes for sale in <span style="text-decoration: underline;">All SUMMIT COUNTY AREAS</span> click here now:<strong> <a href="http://search.kellie.summit.mlxchange.com/" title="ROCKY MOUNTAIN HOMES FOR SALE" target="_blank">MOUNTAIN HOMES FOR SALE</a></strong></p> <p>Listen, View and Read What's Happening In The Denver Metro Areas:  <a href="http://www.helpingdenvermove.com/blog" title="City and Mountains Blog" target="_blank">City and Mountains Blog</a></p> <p>Visit The Rocky Mountains Without Having Get On A Plane Or Drive:  <a href="http://www.cityandmountains.com/Blog" title="Summit County Blog" target="_blank">Summit County Blog</a></p> <p><img title="The City & Mountains Group" src="http://activerain.com/image_store/uploads/9/9/8/8/3/ar127620681138899.jpg" height="85" alt="" width="75"></p> <p>              <a href="http://www.youtube.com/my_videos?feature=mhum" title="Youtube" target="_blank">  <img src="http://activerain.com/image_store/uploads/9/4/8/5/4/ar129937768745849.png" height="85" alt="You Tube" width="85"></a>          <a href="http://www.flickr.com/" title="flickr" target="_blank"><img src="http://activerain.com/image_store/uploads/7/4/5/8/6/ar129937651468547.png" height="89" alt="Flickr" width="66">    </a>    <a href="http://twitter.com/#" title="Twitter" target="_blank">  <img src="http://activerain.com/image_store/uploads/3/1/7/5/3/ar129937673335713.png" height="108" alt="Twitter" width="108"></a>        <a href="http://www.facebook.com/#!/pages/The-City-and-Mountains-Group-Keller-Williams-Realty-Success-Colorado/195289613826442" title="The City and Mountains Group Business Page" target="_blank">  </a></p> <p><a href="https://www.facebook.com/pages/Real-Estate-Career-with-Keller-Williams-Realty-Success-LLC/215020055178326" title="Keller Williams Career Facebook Page" target="_blank"><img title="Keller Williams Facebook Career Page" src="http://activerain.com/image_store/uploads/5/7/0/8/3/ar130365764438075.jpg" height="264" alt="Keller Williams Facebook Career Page" width="264"></a></p> <p><a href="http://www.developers.facebook.com/pages/The-City-and-Mountains-Group-Keller-Williams-Realty-Success-Colorado/195289613826442" title="The City and Mountains Group Keller Williams Realty Success Colorado" target="_TOP" style=""><br></a></p> </div> </blockquote> </div> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Fri, 20 May 2011 11:30:28 -0700 http://activerain.com/blogsview/2307385/costa-rica-land-for-sale- http://activerain.com/blogsview/2295039/help-i-need-your-comments- HELP!! I NEED YOUR COMMENTS! <p>I am currently in a meeting, and a contest started about 2 hours ago to see who could get the most comments on Facebook, AR, or an outside blog!</p> <p><img src="https://fbcdn-sphotos-a.akamaihd.net/hphotos-ak-ash4/228475_2033010112832_1471556376_2338797_4463244_n.jpg" height="165" alt="" width="256" style="float: left;">So you are wondering if it started two hours ago, why am I just now posting this? Because it was announced right before I was scheduled to do a training on Active Rain! So everyone else got a head start on me!!</p> <p>Please, please... I don't care what you comment, just comment something! Reposting it to get comments counts too! Please help me pull from behind and win.</p> <p>Again, all I need is a count of comments, so feel free to comment more than once! Just comment... hurray, cause the contest ends in an hour and a half!</p> <p>Thanks for helping me! And if YOU ever need help is a silly contest, let me know. I'll owe you one!!</p> <p> </p> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Fri, 13 May 2011 15:47:27 -0700 http://activerain.com/blogsview/2295039/help-i-need-your-comments- http://activerain.com/blogsview/2293887/mortgage-girlfriends-retreat-in-chicago Mortgage Girlfriends Retreat in Chicago <p><strong>Mortgage Girlfriends Retreat in Chicago<img title="Mortgage Girlfriends Retreat" src="https://fbcdn-sphotos-a.akamaihd.net/hphotos-ak-snc6/222307_207211169319070_100000905666598_568724_3512561_n.jpg" height="232" alt="" width="281" style="float: right;"></strong></p> <p>One exhausting day of discussing and sharing one idea after another is exactly what the <strong>Mortgage Girlfriends Retreat</strong>is all about. This was my second year attending a Mortgage Girlfriends Retreat organized and hosted by the mortgage diva herself, <a href="http://activerain.com/kdeis" title="Mortgage Girlfriends Retreat" target="_blank">Karen Deis</a>! And what a mental workout we had today!</p> <p>Lots of great tips! Lots of great ideas to implement! And best of all, lots of great relationships being forged! Make no mistake what this is all about: at the  <strong>Mortgage Girlfriends Retreat</strong> we don't waste precious time sitting on a beach somewhere soaking in the rays. Rather, we spend every precious moment soaking in the valuable information that we can take home and apply in each of our own markets.</p> <p>Attendees to the <strong>Mortgage Girlfriends Retreat</strong> come from as far away as Alaska and as close by as 3.2 miles from the hotel (one of those two got lost and was late getting to the meeting this morning. Guess which one???) Some work for banks, some brokers or correspondent lenders, and others own there own businesses. But we all have one thing in common: a desire to embrace technology in order to find the best strategies to apply in our marketing and business acquisition/ retention plans.</p> <p>Tomorrow will be another packed day. I'm tweeting some <strong>Mortgage Girlfriends Retreat</strong> updates periodically, so make sure you're following me there! OH! And I forgot to mention that the weather in Chicago right now is a lot better than what's going on in Denver. Another good reason to be here and not home!</p> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Fri, 13 May 2011 00:22:43 -0700 http://activerain.com/blogsview/2293887/mortgage-girlfriends-retreat-in-chicago http://activerain.com/blogsview/2261318/the-worst-easter-bunnies-ever- The Worst Easter Bunnies Ever!! <p></p><p>I just had to repost this from Michael. I guess I never paid attention to how frightening some of the Easter bunny costumes can be! No wonder so many of these kids are crying in these pictures!!</p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/2256550/the-worst-easter-bunnies-ever-">Michael Caruso Real Estate Group</a></b>:<br><blockquote> <p> </p> <p style="padding-left: 60px;"><strong>Thanks to Jack Radio, here are some of the Worst Easter Bunnies Ever!!  </strong></p> <p style="padding-left: 30px;"><strong><em>These bunnies give me the creeps....I would HOP AWAY so fast! YIKES!!!</em></strong> </p> <p style="padding-left: 60px;"><strong><em></em></strong></p> <p style="padding-left: 30px;"><strong><em></em></strong></p> <a href="http://coltmonday.wordpress.com/2010/04/02/50-of-the-worlds-worst-easter-bunnies/ferret-bunny/" title="EVIL&nbsp;BUNNY" rel="attachment"><img title="EVIL BUNNY" src="http://coltmonday.files.wordpress.com/2010/04/evil-bunny.jpg?w=453" height="527" alt="EVIL BUNNY" width="380"></a>EVIL BUNNY <p style="padding-left: 60px;"><strong></strong></p> <p style="text-align: left; padding-left: 60px;"><strong></strong></p> <p style="text-align: left; padding-left: 60px;"><strong></strong></p> <p style="padding-left: 60px;"><strong>                                                                                                              </strong></p> <p style="padding-left: 30px;"><a href="http://coltmonday.wordpress.com/2010/04/02/50-of-the-worlds-worst-easter-bunnies/nightmare-bunny/" title="Murder&nbsp;Bunny" rel="attachment"><img title="Murder Bunny" src="http://coltmonday.files.wordpress.com/2010/04/murder-bunny.jpg?w=375" height="478" alt="Murder Bunny" width="338"></a>ANGRY BUNNY</p> <p><a href="http://coltmonday.wordpress.com/2010/04/02/50-of-the-worlds-worst-easter-bunnies/two-dude-bunnies/" title="Soulless&nbsp;Bunny" rel="attachment"><img title="Soulless Bunny" src="http://coltmonday.files.wordpress.com/2010/04/soulless-bunny.jpg?w=342" height="436" alt="Soulless Bunny" width="325"></a>FILTHY GROSS BUNNY</p> <p><a href="http://coltmonday.wordpress.com/2010/04/02/50-of-the-worlds-worst-easter-bunnies/your-aunt-as-an-easter-bunny/" title="Why is there a Penguin&nbsp;bunny" rel="attachment"><img title="Why is there a Penguin bunny" src="http://coltmonday.files.wordpress.com/2010/04/why-is-there-a-penguin-bunny.jpg?w=371" height="490" alt="Why is there a Penguin bunny" width="351"></a>WHY IS THERE A SKETCHY PENGUIN WITH FUNNY BUNNY?</p> <p style="padding-left: 60px;"><img title="ugh" src="http://cbskcbs.files.wordpress.com/2011/04/23638133296440-26121714.jpg?w=600" height="400" alt="ugh" width="284"> OLD, SMELLY AND CREEPY BUNNY</p> <p> <img title="worstbunnyever" src="http://cbskcbs.files.wordpress.com/2011/04/enhanced-buzz-8617-1270053105-5.jpg?w=600" height="400" alt="worstbunnyever" width="298"> HUNGOVER (HIC) BUNNY</p> <p><img title="easter-bunny-rapist" src="http://cbskcbs.files.wordpress.com/2011/04/easter-bunny-rapist.jpg?w=600" height="400" alt="easter-bunny-rapist" width="307">BAD, BAD, DIRTY BUNNY  </p> <p style="padding-left: 60px;"><img title="scaryeasterbunny" src="http://cbskcbs.files.wordpress.com/2011/04/scaryeasterbunny.jpg?w=600" height="400" alt="scaryeasterbunny" width="297">SCARY BUNNY</p> <p>AND THE SCARIEST OF THEM ALL BUNNIES.....RUN, KIDS RUN!!!!</p> <p><img title="wtf" src="http://cbskcbs.files.wordpress.com/2011/04/funny-pictures-evil-easter-bunny-16p.jpg?w=600" height="324" alt="wtf" width="400">HELLISH BUNNY</p> <p><strong><em>So Wrong....</em></strong></p> <p><strong>Hoping the Easter Bunny that you meet is sweet, cute, cuddly and nice, and gives you lots of delicious treats.  </strong></p> <div class="agent_signature"> <p> </p> <p>And thank you for making me <strong><span style="text-decoration: underline;">Your Orange County Real Estate Connection</span></strong>.     </p> <p><a href="http://www.michaelcarusorealestate.com/">www.MichaelCarusoRealEstate.com</a></p> <p>Best regards,</p> <p>Michael Caruso, Broker ABR ABRM CLHMS CRB CRS GREEN GRI</p> <p>Past President, Orange County Association of Realtors (949) 753-7900</p> </div> </blockquote> </div> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Sun, 24 Apr 2011 16:41:36 -0700 http://activerain.com/blogsview/2261318/the-worst-easter-bunnies-ever- http://activerain.com/blogsview/2260986/no-eggs-this-morning-here-s-why- No eggs this morning? Here's why! <p><img src="http://activerain.com/image_store/uploads/8/5/1/0/7/ar130365649670158.jpg" height="600" alt="" width="750" style="margin: 5px;"></p> <p style="text-align: center;">Couldn't help it! Had to share this!!</p> <p style="text-align: justify;">We locked the doors to keep the dogs out of the main area because we were afraid this might happen. And it worked!! I woke up this morning to the screaming (of DELIGHT, I might add) of the 3 youngest of our grandchildren as they scurried around finding eggs and baskets scattered about. Thank goodness all Easter treasures were hidden inside the house and not outside, as the first streaks of daylight this morning gave sightings of the blanket of that white stuff (called snow) which we most likely have not seen the last of yet this spring in Colorado.</p> <p style="text-align: justify;">We're off for Easter brunch (which comes with mamosas)!! Now I'm screaming with delight! ha-ha!</p> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Sun, 24 Apr 2011 11:08:48 -0700 http://activerain.com/blogsview/2260986/no-eggs-this-morning-here-s-why- http://activerain.com/blogsview/2256796/girlfriends-mastermind-retreat-coming-in-may- GIRLFRIENDS MASTERMIND RETREAT COMING IN MAY! <p><strong>GIRLFRIENDS MASTERMIND RETREAT COMING IN MAY!</strong></p> <p>Do you ever feel that a day or two in a crowded room is not what you need to find your way through the tangled web of social media? Have you ever wanted to just spend a couple of days in a smaller "work shop" environment? If so, you need to know about the <strong>GIRLFRIENDS MASTERMIND RETREAT</strong> that is being held in Chicago in May.</p> <p>Reservations are limited to about 30 girlfriends (that's right! only thirty!) and five instructors. Subjects that will be discussed at the <strong>GIRLFRIENDS MASTERMIND RETREAT</strong> will be today's hottest social media topics including twitter, Facebook, blogging. Denny Andrews will be the final speaker showing you how to tie in all of these pieces and still have time left over to close the real estate transactions that you have generated from the implementation of social media into your business model!</p> <p>Click the link to read more about the agenda, location, dates of the <a href="http://www.mortgagegirlfriends.com/mastermind/" title="Girlfriends Mastermind Retreat" target="_blank">GIRLFRIENDS MASTERMIND RETREAT</a> and get signed up today (while there are still a few seats left!).</p> <p>           Hope to see you there...   <a href="http://www.mortgagegirlfriends.com/mastermind/" title="Girlfriends Mastermind Retreat" target="_blank">GIRLFRIENDS MASTERMIND RETREAT</a></p> <p style="text-align: center;"><img title="Girlfriends Mastermind Retreat" src="http://profile.ak.fbcdn.net/hprofile-ak-snc4/162059_156082604442809_463025_n.jpg" height="188" alt="" width="200"></p> <p>(here was last year's <strong>GIRLFRIENDS MASTERMIND RETREAT</strong> picture held in Scottsdale!)</p> <p>If you can't join us, forward this to a friend that might be able to come! Then make sure they come back and tell you everything they learned at the <strong>Girlfriends Mastermind Retreat</strong>!!!</p> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Wed, 20 Apr 2011 23:55:58 -0700 http://activerain.com/blogsview/2256796/girlfriends-mastermind-retreat-coming-in-may- http://activerain.com/blogsview/2240810/if-you-can-order-coffee-you-can-understand-social-media- If you can order coffee, you can understand social media! <p>Several of our Denver office employees have recently decided to take on the challenge of trying to understand social media. Our operations manager, <a href="http://activerain.com/sharonshunk" title="Sharon Shunk" target="_blank">Sharon Shunk</a>, entitled her first blog, "<a href="http://activerain.com/blogsview/2205563/what-does-social-media-and-starbucks-have-in-common-" title="Social Media and coffee" target="_blank">What does Social Media and Starbucks Have in Common</a>". It was a great analogy that stayed with me for a couple of days.</p> <p>One day I happened to be at a Starbucks store (#10114) and was telling our Aurora manager, <a href="http://activerain.com/ronalewis" title="Rona Lewis" target="_blank">Rona Lewis</a>, also a new blogger, about the interesting post. While paying for the coffee, the young woman, Amanda, behind the counter told us she had recently given a 10 minute speech about how to order a Starbucks. Did YOU know there was a proper way on how to order coffee? Well, for the wondering minds, let me share with you the details of ordering a Starbucks:</p> <p>First you have to understand the proper order of giving instruction. Did you ever notice there was a "menu" on the side of every Starbuck's cup? Hello??? Talk about a blinding flash of the obvious! How is that I never noticed this before??</p> <p>So, here it goes:</p> <p>First, tell them which cup to grab. Not small, medium or large. Rather "Tall" "Grande" or "Venti".</p> <p>Once they have grabbed the cup, it's just a checklist they follow:</p> <p><strong><img title="coffee and social media" src="http://activerain.com/image_store/uploads/3/1/2/8/1/ar130288198018213.JPG" height="356" alt="coffee and social media" width="200" style="margin: 6px; float: left;">Decaf</strong> can be requested on most. And if you want half caffeine, ask for a "half calf"! Or ask for a double shot, triple or quad (get ready to fly around the room on that one!)</p> <p><strong>Shots: </strong>How much caffeine do you want? Single shot of expresso, double, triple? Size does not mean more caffeine in espresso drinks. Yet it does in Americanos drinks. Half-calf would mean one shot of regular, one shot of decalf. Macchiotto means shots in the foam giving a stronger flavor right away. </p> <p><strong>Syrup</strong>- Do you know they have schools whose entire agendas are figuring out what syrups or combinations will whip up interesting concoctions that can be bragged about on Facebook? Maybe just go with vanilla, caramel, hazelnut?? OH.. and if you're trying to impress someone, just say "make it a two pump vanilla"!!</p> <p><strong>Milk:</strong> seems easy, right? Wrong! Here are your options: whole, low fat, non-fat. OR soy, organic, whipping creme, you name it! Easy so far, right? NO milk, foamed milk, part milk. Part foam is a complete dictionary of options depending on how many parts of each!</p> <p><strong>Custom</strong>: examples like extra hot, no room for cream, no foam, extra ice.</p> <p><strong>Drink</strong>:  In the picture, the "A" means Americano (espresso and hot water). Or maybe a tea, hot chocolate, apple cider (did you even know they have that??)</p> <p>So, what does this have to do with social media, you are wondering? Here's a simple analogy shared at our <a href="http://activerain.com/groups/RockyMountainRainers" title="Rocky Mountain Rainers" target="_blank">Rocky Mountain Rainers</a> meeting yesterday by <a href="http://activerain.com/harrisreo" title="Becky Harris" target="_blank">Becky Harris</a>. Becky heard attended a class with <a href="http://activerain.com/thelandryteam" title="Liz Landry" target="_blank">Liz Landry</a> who recently visited Colorado and gave a fabulous class on social media that made it easier than ordering a cup of coffee!</p> <p><strong>LinkedIn</strong>: A board meeting</p> <p><strong>Facebook</strong>: Your backyard barbeque conversations</p> <p><strong>Twitter</strong>: After hours cocktail talk</p> <p>And just to add a few of my own:</p> <p><strong>YouTube</strong>: Evening entertainment, no guests needed</p> <p><strong>Blogging</strong>: An opportunity to find pen pals all across the country</p> <p><strong>ActiveRain</strong>: Doing what you love and making money while you're at it!</p> <p><em>NOTE: If you are referenced and linked in the post, you have been TAGGED. That means it is YOUR job to write a similar analogy referencing the post you were tagged in (or even reblogging it) and tag at least one or more people in your post. Make sure you send them an email and put "you've been tagged" in the subject line! Heck, even if you haven't been tagged, feel free to join in!!</em></p> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Fri, 15 Apr 2011 12:21:40 -0700 http://activerain.com/blogsview/2240810/if-you-can-order-coffee-you-can-understand-social-media- http://activerain.com/blogsview/2237227/who-would-have-thought- Who would have thought?? <p><img src="http://activerain.com/image_store/uploads/7/6/1/7/8/ar130240683687167.jpg" height="200" alt="" width="300" style="margin: 6px; float: left;">Here is a photo of two of our dogs taken last summer. The brown one, Daisy, we have had for eight years. Putter is the black and white dog, which we have had ten years. On Tuesday of this week, something went terribly wrong with Daisy and without warning she viciously attacked the black and white dog.</p> <p>Putter was in surgery for almost three hours. Dozens and dozens of stitches and staples were used to put her back together again. According to the surgeon there was no doubt that Daisy intended to kill Putter. Had our house cleaner not been there, that most likely would have happened.</p> <p>We finally were able to bring Putter home today. She still has four drains inserted into some of the deeper wounds which most likely won't come out until next Tuesday. Her stitches and staples will be in for about a week after that. For now it will be our job to make sure she gets all of her four kinds of medications scheduled around the clock, and to be sure to keep all her drainage tubes clean and clear. Who would have thought that two "friends" for all these years would have had this horrific outcome? I shudder when I think how much worse this could have been! Not only do we have two younger, smaller dogs, but we have three young granddaughters that live with us. So, Putter is indeed our hero: she took one for the team.</p> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Sun, 10 Apr 2011 00:12:59 -0700 http://activerain.com/blogsview/2237227/who-would-have-thought- http://activerain.com/blogsview/2225276/karen-brown-keller-williams Karen Brown, Keller Williams <p><span style="font-family: verdana; color: #660000;"><big><big><strong>Karen Brown Keller Williams.</strong> </big></big></span></p> <p><span style="font-family: verdana; color: #660000;"><big><big>I am excited to share some good news at one of the real estate offices that we work with! Keller Williams Realty Success in Litttleton, Colorado has recently announced that <strong>Karen Brown</strong> has accepted the Team Leader position at the location at C470 and Kipling, overlooking the country club.</big></big></span></p> <p><span style="font-family: verdana; color: #660000;"><big><big>A <strong>Keller Williams</strong> Team Leader is so much more than the typical office manager or administrator. As the team leader, <strong>Karen Brown</strong> will be focused on her agent’s growth through coaching, consulting and training</big></big></span><img title="Karen Brown Keller Williams" src="http://activerain.com/image_store/uploads/3/1/5/0/1/ar130188662410513.jpg" height="225" alt="Karen Brown Keller Williams " width="150" style="margin: 6px; float: right;"><span style="font-family: verdana; color: #660000;"><big><big> while leading the company’s vision and keeping the culture they have become known for. <br> </big></big></span></p> <p><span style="font-family: verdana; color: #660000;"><big><big>To be chosen as a Team Leader, <strong>Karen Brown</strong> had to go through an extensive screening process. Keller Williams<strong> </strong>models have evidenced that a specific personality profile gives much higher probability for success with relationships, growth and profitability. The organization received 10 recommendations and interviewed 3 individuals before offering the position to <strong>Karen Brown</strong>.</big></big></span></p> <p><span style="font-family: verdana; color: #660000;"><big><big>When asked what sets Keller Williams apart from the competition, <strong>Karen Brown</strong> responded confidently, “Not just the education and training but the cutting edge technology that gives their agents an advantage that no other real estate company offers.</big></big><big><big>" Karen added, "We are focused on building relationships in our community, careers worth having, businesses worth owning and lives worth living."</big></big></span></p> <p><big><big><span style="font-family: verdana; color: #660000;"><strong>Karen Brown</strong> brings more than 21 years of real estate experience to Keller Williams having previously lead a real estate team called Service Perfection which was one of the top producers at another Keller Williams office prior to becoming a Team Leader. She also held leadership positions in commercial real estate for 15 years in the Denver and Colorado Springs areas.<br>  <br> </span></big></big><img title="Karen Brown Keller Williams" src="http://activerain.com/image_store/uploads/8/7/6/8/2/ar130188742128678.jpg" height="140" alt="Karen Brown Keller Williams" width="140" style="margin: 6px; float: left;"><big><big><span style="font-family: verdana; color: #660000;"><strong>Karen Brown</strong> also stated that for more than 10 years Keller Williams has been a leading real estate company in the Denver area, having 17 offices, the most robust training and education schedule for agents at every level of their career and 17,000 agent partners. As of March 15, 2011, Keller Williams is now the second largest real estate company in the U.S., after surpassing Re/Max and Century 21.</span></big></big></p> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Sun, 03 Apr 2011 23:26:15 -0700 http://activerain.com/blogsview/2225276/karen-brown-keller-williams http://activerain.com/blogsview/2220703/holy-crap-i-think-i-broke-twitter- Holy Crap! I Think I Broke Twitter! <p></p><p>IT"S BACK!!! The REBLOGGING BUTTON!!! HOORAY!!!</p> <p>Not even sure I know how long this feature has started working again, but just happy as ever that we have this up and running again!!</p> <p>Now - how long for auto tweets into Twitter, I wonder???</p> <p>Ruth @ WRStarkeyMortgage</p> <p>720-489-0712</p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/2218338/holy-crap-i-think-i-broke-twitter-">Craig Rutman Raleigh/ Cary/ Apex area Realtor (Home Buyer and Seller Specialist)</a></b>:<br><blockquote> <p style="text-align: center;"><big><big><big>Holy Crap! I Think I Broke Twitter!</big><br> </big></big></p> <p><big><big><br> This morning, as I do every day, I posted a few local <a href="http://www.justnchomes.com" title="If you're thinking of buying or selling Real estate in the Raleigh/ Cary/ Apex area, this is the place to start!" target="_blank"><strong>Raleigh/ Cary/ Apex</strong></a> area events on Twitter.<br> <br> But this is what came up on the screen when I refreshed to see my posts....<br> </big></big></p> <p style="text-align: center;"><img title="Oh Crap, I think I broke Twitter!" src="http://activerain.com/image_store/uploads/5/6/0/6/1/ar130157455916065.png" height="371" alt="Oh Crap, I think I broke Twitter!" style="border: 3px solid black;" width="550"></p> <p style="text-align: center;"> </p> <p style="text-align: center;"><img title="Oh Crap, I think I broke Twitter!" src="http://activerain.com/image_store/uploads/4/4/5/8/5/ar130157477658544.png" height="296" alt="Oh Crap, I think I broke Twitter!" style="border: 3px solid black;" width="550"></p> <p><big><big><br> By the way, if you're not using Twitter to promote your business, you're nuts!<br> <br> Check out these numbers I put together in a blog some time back. Bear in mind that I wrote this blog last year and the numbers are even better now.<br> <br> Oh, and if you want to follow me on Twitter, just click the Twitter beaker on my post!</big></big></p> <br> <p style="text-align: center;"><strong><big><big><big><span style="font-family: Comic Sans MS;">Twitter - Some Interesting Facts & Why You Should Be "Twittering"</span></big></big></big></strong></p> <p style="text-align: center;"> </p> <p style="text-align: center;"><a href="http://twitter.com/CraigRutman" title="Follow me on Twitter!" target="_blank"><img title="Follow me on Twitter!" src="http://activerain.com/image_store/uploads/7/0/0/7/7/ar126454140577007.jpg" height="240" alt="Follow me on Twitter!" style="border: 3px solid black;" width="400"></a></p> <p><big><big><big><span style="font-family: Comic Sans MS;"><br> While running around <a href="http://www.justnchomes.com/bin/web/real_estate?acnt=AR247134&ZKEY=&action=ACTIVATE_FRAMES&button=CORPORATE_WEBSITE&tm=&linkout=http%3A%2F%2Fjustnchomes.raleighcaryrealty.com%2Fsearch%2F" target="_blank">Cary</a> and <a href="http://www.justnchomes.com/bin/web/real_estate?acnt=AR247134&ZKEY=&action=ACTIVATE_FRAMES&button=CORPORATE_WEBSITE&tm=&linkout=http%3A%2F%2Fjustnchomes.raleighcaryrealty.com%2Fsearch%2F" target="_blank">Apex</a>, North Carolina with some very excited 1st time <a href="http://www.justnchomes.com/bin/web/real_estate?acnt=AR247134&ZKEY=&action=ACTIVATE_FRAMES&button=CORPORATE_WEBSITE&tm=&linkout=http%3A%2F%2Fjustnchomes.raleighcaryrealty.com%2Fsearch%2F" target="_blank">buyers</a> today, I received an email from some company trying to sell me followers for <a href="http://twitter.com/CraigRutman" target="_blank">my Twitter account</a>. After hitting the delete button, and upon my return home, I decided to do a little research on Twitter...<br> <br> First I went to <a href="http://www.alexa.com/" target="_blank">Alexa.com</a>, one of the best website ranking tools I've come across, to check out where Twitter ranks on the internet. <br> <br> </span></big></big></big><a href="http://twitter.com/CraigRutman" title="Follow me on Twitter!" target="_blank"><img src="http://activerain.com/image_store/uploads/4/7/9/3/2/ar126454188323974.png" height="200" alt="" style="margin: 10px; float: left;" width="200"></a><big><big><big><span style="font-family: Comic Sans MS;">I discovered that Twitter is the </span><span style="font-family: Comic Sans MS; color: #cc0000;">13th most visited website in the United States</span><span style="font-family: Comic Sans MS;"> and </span><span style="font-family: Comic Sans MS; color: #cc0000;">14th most visited site in the world</span><span style="font-family: Comic Sans MS;">. Over </span><span style="font-family: Comic Sans MS; color: #cc0000;">600,000 web pages</span><span style="font-family: Comic Sans MS;"> have a link to Twitter's home page, and there are approximately </span><span style="font-family: Comic Sans MS; color: #cc0000;">17 million Twitter accounts</span><span style="font-family: Comic Sans MS;">!<br> <br> </span></big></big></big></p> <p> </p> <p><big><big><big><span style="font-family: Comic Sans MS;">But why Tweet? Is it worth it? Will it bring you any business? <br> <br> At first I was reluctant to even join Twitter. <a href="http://jerz.setonhill.edu/EL150/2008/ABNormal.png" target="_blank">My theory</a> was that if a 12 year old can type in something like, "I made brownies today and they were delicious!", then it's probably not a very effective marketing tool. But I was wrong...<br> <br> My <a href="http://z.about.com/d/chemistry/1/0/y/h/madscientist.jpg" target="_blank">thought process</a> on the whole Twitter thing changed when some folks who read one of my <a href="http://www.justnchomes.com/bin/web/real_estate?acnt=AR247134&ZKEY=&action=ACTIVATE_FRAMES&button=CORPORATE_WEBSITE&tm=&linkout=http%3A%2F%2Fjustnchomes.raleighcaryrealty.com%2Fsearch%2F" target="_blank">Real Estate</a> Tweets contacted me. I asked them what it was that caught their attention and they told me they were just searching </span></big></big></big><a href="http://twitter.com/CraigRutman" title="Follow me on Twitter!" target="_blank"><img src="http://activerain.com/image_store/uploads/2/9/9/9/2/ar126454203429992.png" height="256" alt="" style="margin: 10px; float: right;" width="256"></a><big><big><big><span style="font-family: Comic Sans MS;">around Twitter and one of my ActiveRain localism blogs drew them in! On ActiveRain they read some more of my posts and felt that I should be their <a href="http://www.justnchomes.com/bin/web/real_estate/AR247134/ACTIVATE_FRAMES/ABOUT/Cary/1260484427.html" target="_blank">Realtor</a>. <br> <br> In short, yes, Twitter can bring you business! If you don't have a Twitter account, get one. If you do have an account, Tweet daily. You just never know where your next client will come from! <a href="http://www.twitter.com/" target="_blank">Twitter</a> is an excellent way to drive traffic to your website through the networking connections you'll make. Its simplicity makes it easy to post messages to, and there are dozens of <a href="http://www.smbceo.com/2009/03/25/top-27-twitter-applications/" target="_blank">free applications</a> available to enhance your Twitter experience.<br> <br> Below is a chart I made depicting the average age of a Twitter user. Although the average is still quite young, this demographic uses Twitter as a means to connect. Why not give them the opportunity to connect with you? After all, they will be buying a home someday.</span></big></big></big></p> <p> </p> <p style="text-align: center;"><a href="http://twitter.com/CraigRutman" title="Follow me on Twitter!" target="_blank"><img title="The Average Age of a Twitter User" src="http://activerain.com/image_store/uploads/5/7/8/5/6/ar126454226465875.jpg" height="403" alt="The Average Age of a Twitter User" style="border: 3px solid black;" width="600"></a></p> <p style="text-align: left;"> </p> <p style="text-align: left;"><big><big><big><span style="font-family: Comic Sans MS;">This next chart shows that less than </span><span style="font-family: Comic Sans MS; color: #cc0000;">15%</span><span style="font-family: Comic Sans MS;"> of Twitter users Tweet on a daily basis. Why not be among the </span><span style="font-family: Comic Sans MS; color: #cc0000;">85%</span><span style="font-family: Comic Sans MS;"> who do?</span></big></big></big></p> <p style="text-align: left;"> </p> <p style="text-align: center;"><a href="http://twitter.com/CraigRutman" title="Follow me on Twitter!" target="_blank"><img title="Average number of Tweets per day by user" src="http://activerain.com/image_store/uploads/8/1/7/1/9/ar126454236991718.jpg" height="417" alt="Average number of Tweets per day by user" style="border: 3px solid black;" width="600"></a></p> <p style="text-align: center;"> </p> <p><big><big><big><span style="font-family: Comic Sans MS;">By the way, I'd love it if you followed me on Twitter...AND subscribed to my blog! For those of you who already follow me or are already subscribed to my blog...Thank you!</span></big></big></big></p> <p style="text-align: center;"><img title="Thank you!" src="http://activerain.com/image_store/uploads/2/4/0/8/1/ar126454283918042.jpg" height="267" alt="Thank you!" width="300"></p> <p> </p> <p></p> <center><div> <a href="http://www.addthis.com/bookmark.php?v=20"><img src="http://s7.addthis.com/static/btn/lg-share-en.gif" height="16" alt="Bookmark and Share" width="125" style="border: 0;"></a> </div></center> <p></p> <center><a href="http://activerain.com/action/blogs_admin/subscribe?subscribed_agent_id=15866" title="Subscribe to my blog!" target="_blank"><img title="Subscribe to my Blog!" src="http://activerain.com/image_store/uploads/5/5/7/3/9/ar123230566493755.jpg" height="248" alt="Subscribe to my Blog!" width="175"></a></center> <p style="text-align: center;"><a href="http://twitter.com/CraigRutman" title="Follow me on Twitter!" target="_blank"><img title="Follow me on Twitter!" src="http://activerain.com/image_store/uploads/9/9/3/3/1/ar123445148213399.gif" height="55" alt="Follow me on Twitter!" width="155"></a></p> <p style="text-align: center;"> </p> <center> <strong>About The Author</strong> <p><strong>Craig Rutman</strong> is a <strong>North Carolina Residential Real Estate</strong> <strong>Specialist</strong> that can assist you with the purchase and/or sale of real estate in the <strong>Raleigh - Cary – Apex metro</strong> areas; or any place else in the country by connecting you with a relocation professional in your destination of choice. </p> <p> </p> <p> </p> <center> <strong>To find all available homes for sale in the Triangle area of North Carolina, please visit <a href="http://www.JustNCHomes.com" target="_blank">www.justnchomes.com</a> </strong> </center> <p><strong><center> Call me TODAY at 919-349-9530 <a href="mailto:Craig.Rutman@gmail.com"><p></p> <center><strong>Email me with your Raleigh - Cary – Apex area questions</strong></center></a> </center></strong></p> </center> <center><a href="http://www.copyscape.com/"><img title="Do not copy content from the page. Plagiarism will be detected by Copyscape." src="http://banners.copyscape.com/images/cs-wh-3d-234x16.gif" border="0" height="16" alt="Page copy protected against web site content infringement by Copyscape" width="234"></a></center> <div class="agent_signature"> <p style="text-align: center;"><a href="http://www.facebook.com/people/Craig-Rutman/1213642177" title="Craig Rutman" target="_TOP">Craig Rutman</a><br><a href="http://www.facebook.com/people/Craig-Rutman/1213642177" title="Craig Rutman" target="_TOP"></a></p> <p style="text-align: center;"><img src="http://badge.facebook.com/badge/1213642177.2483.2121785166.png" height="84" alt="" width="556" style="border: 0px none;"></p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"><a href="mailto:info@justnchomes.com" title="Send me an email" target="_blank"><img title="Email Me!" src="http://activerain.comhttp://activerain.com/image_store/uploads/6/7/8/5/5/ar128217942355876.jpg" height="148" alt="Email Me!" width="106"></a><a href="http://twitter.com/CraigRutman" title="Follow me on Twitter" target="_blank"><img title="Follow me on Twitter!" src="http://activerain.comhttp://activerain.com/image_store/uploads/4/0/1/1/1/ar128218015711104.jpg" height="149" alt="Follow me on Twitter!" width="107"></a><a href="http://www.linkedin.com/myprofile?trk=hb_pro" title="Let's connect on LinkedIn" target="_blank"><img title="Connect with me on LinkedIn" src="http://activerain.comhttp://activerain.com/image_store/uploads/1/6/3/6/6/ar128218023266361.jpg" height="150" alt="Connect with me on LinkedIn" width="111"></a><a href="http://www.facebook.com/home.php?#%21/profile.php?id=1213642177" title="Friends on Facebook" target="_blank"><img title="Let's be friends on Facebook" src="http://activerain.comhttp://activerain.com/image_store/uploads/1/3/2/9/1/ar128217977719231.jpg" height="147" alt="Let's be friends on Facebook" width="108"></a><a href="http://www.youtube.com/user/walstib3" title="See my videos on Youtube" target="_blank"><img title="View my videos on Youtube" src="http://activerain.comhttp://activerain.com/image_store/uploads/1/9/7/1/6/ar128218105061791.jpg" height="147" alt="View my videos on Youtube" width="102"></a><a href="http://picasaweb.google.com/craig.rutman" title="View my creations on Picassa" target="_blank"><img title="See my creations on Picassa" src="http://activerain.comhttp://activerain.com/image_store/uploads/1/0/2/1/1/ar128218510111201.jpg" height="147" alt="See my creations on Picassa" width="102"></a></p> <p style="text-align: center;"><a href="http://www.google.com/search?hl=en&client=firefox-a&hs=0WT&rls=org.mozilla%3Aen-US%3Aofficial&q=%22craig+rutman%22+%22real+estate%22&btnG=Search&aq=f&aqi=&aql=&oq=&gs_rfai=" target="_blank"><img title="Need a Realtor with a web presence? Google Me!" src="http://activerain.com/image_store/uploads/8/6/8/7/3/ar128231785337868.jpg" height="158" alt="Need a Realtor with a web presence? Google Me!" width="107"></a></p> <p style="text-align: center;"> </p> <p style="margin-top: 10px; margin-bottom: 0pt; padding-bottom: 0pt; text-align: center; line-height: 0pt;"><a href="http://feeds.feedburner.com/~r/CraigsRaleighCaryApexAndWakeCountyRealEstateBlogandOtherAssortedMusings/~6/2" target="_blank"><img src="http://feeds.feedburner.com/CraigsRaleighCaryApexAndWakeCountyRealEstateBlogandOtherAssortedMusings.2.gif" alt="Craig's Raleigh, Cary, Apex and Wake County Real Estate Blog...and Other Assorted Musings!" style="border: 0;"></a></p> </div> </blockquote> </div> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Fri, 01 Apr 2011 12:08:13 -0700 http://activerain.com/blogsview/2220703/holy-crap-i-think-i-broke-twitter- http://activerain.com/blogsview/2169839/mortgage-loans-in-denver Mortgage Loans in Denver <p>There are many great loan <strong>mortage loans in Denver</strong> we offer. Here are highlights on just three of them:</p> <p><img src="http://images.wrstarkey.com/eflyers/marketing/images/TGLP_3311.jpg" height="727" alt="" width="707"></p> <p>Many times buyers believe that a home is the biggest investment they will make in their lifetime. It isn't. <strong>Mortgage loans</strong> are actually the biggest investment! So if you are someone you know is thinking about buying or refinancing a home, please give us a call! We specialize in helping find <strong>mortgage loans</strong> that meet the needs of each individual buyer.</p> <p>Look forward to your call!</p> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Sun, 06 Mar 2011 16:06:44 -0800 http://activerain.com/blogsview/2169839/mortgage-loans-in-denver http://activerain.com/blogsview/2075098/how-well-do-you-know-the-road-you-travel- How Well Do You Know the Road You Travel? <p></p><p>GREAT post! Really something we all need to think about.</p> <p>By the way, have I told you "Happy New Year" yet? If not, then let this be my New Year's greeting to you!</p> <p>(thanks for the opportunity to reblog this, Dawn!)</p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/2058402/how-well-do-you-know-the-road-you-travel-">Dawn A Fabiszak, CRS, GRI, SFR, CNE Servicing Arapahoe County over 17 yrs (Keller Williams Real Estate ( Denver metro area, Colorado)</a></b>:<br><blockquote> <p><strong>~ How well do you know the road you travel? ~</strong></p> <p>Real estate is like a map.  Each transaction you participate in is a road.  Do you ever travel down roads with which you are unfamiliar?  Or do you always follow along the same road?  Have you ever gotten lost and had to pull over and ask for directions?  Or do you 'mapquest' before leaving home?    Sometimes this road is an adventure and sometimes you end up on the side<img src="http://activerain.com/image_store/uploads/5/1/8/8/5/ar129463536258815.jpg" height="160" alt="road" style="margin: 3px; float: left;" width="136"> of the road with a flat.  But the important thing is to make sure you always have enough gas to keep you going. Has your business been like traveling up a mountain road filled with high peaks and low valleys rather than a road with some curves and a few small, yes, small inclines and declines? </p> <p>I have decided that my 2011 business was going to be a more comfortable ride.  The curves in my road represent my becoming more flexible.  I need to adapt quicker to changes and be able to adjust to the market.  I will become more familiar with different roads by reading and following the signs along the way and seek out unfamiliar information.  To make sure I don't get lost or a flat, I will continue to learn as much as I can about short sales, foreclosures and the market changes.  And to even out the peaks and valleys, I will continue to prospect every day.  This will keep my business going more evenly.  The road map of my real estate business in 2011 is going to be in the direction I want to go, rather than wandering aimlessly as I seemed to have done in 2010.</p> <p>Your 2011 map to success is in your own hands.  How well do you know the road you travel?</p> <p> </p> <div class="agent_signature"> <p> </p> <p><img title="slogo" src="http://activerain.com/image_store/uploads/1/8/9/1/4/ar127576259141981.JPG" height="209" alt="slogo" width="300" style="margin: 5px; float: left;"></p> <p> </p> <p><span style="font-size: medium;">Keller Williams Real Estate, LLC</span></p> <p><span style="font-size: medium;">Broker Associate, CNE, CRS, GRI, SFR</span></p> <p><span style="font-size: medium;">Servicing buyers and sellers in the Denver metro area since 1993</span></p> <p><span style="font-size: medium;">Three easy ways to contact me:</span></p> <p><span style="font-size: medium;"><strong>email</strong> me directly <a href="mailto:Dawn@downhomeindenver.com">Dawn@downhomeindenver.com</a></span></p> <p><span style="font-size: medium;">visit my <strong>website</strong> to search for homes or find the value of what your home is currently worth visit: <a href="http://www.DownHomeInDenver.com">www.DownHomeInDenver.com</a></span></p> <p><span style="font-size: medium;"><strong>call</strong> <strong>or text </strong>me directly on my cell: 303-332-8025</span></p> <p><span style="font-size: small;">The choice is yours.  Let my expertise work for you!  Servicing the Denver Metro area/ Aurora, Centennial, Denver, Englewood, Greenwood Village, Littleton, Lonetree and Parker</span></p> <p> </p> <p><span style="font-size: medium;"><strong>                                               </strong></span></p> <p> </p> </div> </blockquote> </div> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Thu, 13 Jan 2011 21:55:16 -0800 http://activerain.com/blogsview/2075098/how-well-do-you-know-the-road-you-travel- http://activerain.com/blogsview/2071649/activerain-university-training-calendar ActiveRain University Training Calendar <p></p><p>I HIGHLY recommend that regardless of your experience level, Active Rain University has a variety of online classes that you find well worth your time!</p> <p>Sign up for one today!</p> <p>Happy Blogging,</p> <p>Ruth</p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/1999491/activerain-university-training-calendar">ActiveRain University (ActiveRain University)</a></b>:<br><blockquote> <p class="large"><strong>ActiveRain University offers a wide variety of on-line Real Estate and Social Media </strong>training sessions for Real Estate Industry Professionals. Our classes are designed for new and experienced members. <b>All classes are FREE to our RainMaker members.</b> Come learn about the various tools on ActiveRain, enhance your Social Media skills, learn about successful business applications, and grow business using the knowledge, experience, and tools used by other TOP PRODUCERS and experts in all aspects of Real Estate. </p> <center><b><h2>Click On ANY Class Below To Register or Get More Details!</h2></b></center> <p> <iframe scrolling="no" src="http://www.google.com/calendar/embed?src=activerain.com_62eclm0n5n2fe2ujvj0qe3gf6k%40group.calendar.google.com&ctz=America/Los_Angeles" frameborder="0" height="600" style="border: 0;" width="800"></iframe> </p> <p><strong>We offer FREE classes and special guest speakers every week</strong>. Come Listen, watch, engage, and learn from some of the most influential people and teachers in Real Estate who will share their tips, valuable tools, and teach you the secrets of their successes.<em></em></p> </blockquote> </div> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Wed, 12 Jan 2011 12:58:27 -0800 http://activerain.com/blogsview/2071649/activerain-university-training-calendar http://activerain.com/blogsview/2071603/real-estate-technology-in-colorado- Real Estate Technology in Colorado! <p> </p><p>Amazing that e-signatures are already ten years old! Isn't technology grand?? Before long, we'll be getting "beamed up" to closings by a closer ... probably named "Scottie"!</p> <p>Call me today and get prequalified. We even offer the old fashioned way of doing that... by sitting face to face!</p> <p><em>Views and opinions expressed on this site are not necessarily those of WR Starkey Mortgage.</em></p> <p> </p> <p>  <img title="Ruth Vogt Colorado Lender" src="http://activerain.comhttp://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" width="100"></p> <p> Ruth Vogt, Branch Manager</p> <p> Colorado LMB #LMB100023827</p> <p>   <a href="http://www.mylenderofchoice.com/">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com/" title="Twitter Buttons">Twitter Buttons</a></p> <div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/2063224/e-signatures-now-over-10-years-old">Christine R. Sutherland, REALTOR® CIPS, TRC, e-Pro (Downing-Frye Realty, Inc - the best in SW Florida)</a></b>:<br><blockquote> <p> </p> <p class="MsoNormal">E-SIGNATURES now over 10 years old!</p> <p class="MsoNormal"><img title="signature" src="http://activerain.com/image_store/uploads/4/5/1/3/5/ar129449652053154.png" height="106" alt="signature" style="float: left;" width="84">Since President Clinton signed the ESIGN Act in June 2000 the E-Signature has simplified and expedited interstate and foreign business.<span>  </span><span> </span>Tom Gonser, Founder and Chief Strategic Officer of <a href="http://www.docusign.com/" target="_blank">Docusign</a>, Inc. stated recently that E-Signatures have had the most effect on real estate transactions.</p> <p class="MsoNormal">“Of all the markets, there is one where e-signature technology has had the greatest impact, changing more lives than nearly any other technology—real estate. No other sector has reaped greater rewards than our industry.<span>  </span>Time, money, ink, paper and aggravation are eliminated. And, deals are done faster, better and are more secure when completed electronically than with paper. There is no downside to using e-signature technology.”</p> <p class="MsoNormal"><a href="http://rismedia.com/2011-01-08/e-signature-10-years-and-a-great-impact/?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+Rismedia+%28RISMedia+Real+Estate+News%29&utm_content=Google+Feedfetcher" target="_blank"> Read the full article here</a></p> <p class="MsoNormal"> </p> <p class="MsoNormal"> </p> <p class="MsoNormal"> </p> <p class="MsoNormal"> </p> <div class="agent_signature"> <p><span style="font-size: medium;">Christine R. Sutherland, <strong>REALTOR®<br></strong></span><span style="font-size: small;">Downing-Frye Realty, Inc.  <strong>Naples & Bonita Springs</strong>, FLORIDA<br>Phone:          239-465-4525<br>Email:           </span><a href="mailto:NaplesNaples@gmail.com"><span style="font-size: small;">NaplesNaples@gmail.com</span></a></p> <p><span style="font-size: small;">Websites:<br></span><a href="http://WonderfulNaples.com"><span style="font-size: small;">http://WonderfulNaples.com<br></span></a><a href="http://listings.swflhvcc.com"><span style="font-size: small;">http://listings.swflhvcc.com</span></a></p> <p><span style="font-size: medium;"><strong>REALTORS®,</strong> Please visit <a href="http://market2buyers.com" target="_blank"><strong>MARKET 2 BUYERS</strong> <br></a></span><span style="font-size: medium;">the only TRUE LEAD INCUBATION software & service<br></span></p> <p><span style="font-size: small;">                  </span></p> </div> </blockquote> </div> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Wed, 12 Jan 2011 12:39:42 -0800 http://activerain.com/blogsview/2071603/real-estate-technology-in-colorado- http://activerain.com/blogsview/2013395/the-greatest-gift-of-all- The greatest gift of all! <p>As we find ourselves deep into the holiday season, we hear many stories of people less fortunate than some. So many worthy causes to give our time, money or even resourses to. Toys here, food there, money anywhere! But this is a story that I heard about, and then researched to get a few more details, and now I want to share the story with you. It's about giving the gift of love.</p> <p>Terry and his wife (I am going to call them Mr & Mrs T) were entering the "empty nester" stage of life. Their children were grown and leaving home so they had started down sizing. They were a very religious couple who attended a church of their faith regularly.</p> <p>There were two other families that also attended the same church. Both families opened their homes and hearts to children in need by providing foster care. One of the families had recently taken in a daughter that was 5 months. The other family had been asked to take a girl that was a little older, a toddler that was 18 months.</p> <p>Both of these two little girls attended the same day care (to be honest I'm not sure if the day care was the one at the church or outside the church). It was because of the consistent reference of the 18 month old pointing and calling  the 5 month old "sissy" that the two foster parents found out they were, in fact, sisters who had been taken from their home at the same time. When processed through the system, they had been separated, each foster family unaware of the other child.</p> <p>When Mr and Mrs T heard the story, they decided the two babies needed someone to get their young lives back on the right track and immediately started adoption procedures for both girls. They were expecting to receive these great gifts of love in January or February, but it turns out they will probably arrive just before Christmas.</p> <p>Thank you, Mr and Mrs T, for giving these two girls the gift of love. You are truly an inspiration to us all!</p> <p><a href="http://activerain.com/jkeith" title="Jason Keith" target="_blank"><img src="http://s3.amazonaws.com/activerain-image-store-2/agents/242862/huge/Jason_Keith_966_T_color.jpg?1270484635" height="73" alt="" width="79" style="float: right;"></a>We are joining in with a group to help by donating any gently used clothing or articles that might help this family prepare for their new arrivals. If you are interested in donating, or know someone that might be, please contact <a href="http://activerain.com/jkeith" title="Jason Keith" target="_blank">Jason Keith.</a></p> <p> </p> <p>If you would be interested in sharing this story with a friend, please feel free to post this info graffic:</p> <p><a href="http://activerain.com/blogsview/2013395/the-greatest-gift-of-all-love" title="The Gift of Love" target="_blank"><img src="http://activerain.com/image_store/uploads/1/8/9/6/0/ar129201281806981.jpg" height="361" alt="" width="500" style="margin: 6px; vertical-align: middle;"></a></p> <p>The embed code is:</p> <p><p><a href="http://activerain.com/blogsview/2013395/the-greatest-gift-of-all-love" title="The Gift of Love" target="_blank"><img src="http://activerain.com/image_store/uploads/1/8/9/6/0/ar129201281806981.jpg" height="361" alt="" width="500" style="margin: 6px; vertical-align: middle;" /></a></p><br><p> </p></p> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Fri, 10 Dec 2010 15:38:49 -0800 http://activerain.com/blogsview/2013395/the-greatest-gift-of-all- http://activerain.com/blogsview/2010226/mortgage-rate-indicators-for-denver Mortgage Rate Indicators for Denver <p><strong>Mortgage Rate Indicators for Denver</strong></p> <p>I have fallen out of the habit of posting weekly <strong>Mortgage Rate Indicators</strong> lately. So I wanted to give you information directly from a page out of my website that has several links that will help you determine what current <strong>mortgage rate indicators</strong> are suggesting. Or you can always email me or call me to discuss if now is the time to lock your interest rate, or let it float. </p><iframe name="Market Updates" scrolling="auto" src="http://www.mylenderofchoice.com/Economic.html" frameborder="no" height="850px" width="800px"> </iframe> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Wed, 08 Dec 2010 19:44:11 -0800 http://activerain.com/blogsview/2010226/mortgage-rate-indicators-for-denver http://activerain.com/blogsview/1964167/weather-is-great-wish-you-were-here- Weather is GREAT! Wish you were here!! <p>We are in downtown Denver today talking about blogging... snowing outside.... warm inside... must be why our system is slow:</p> <p>BECAUSE EVERYONE MUST BE BLOGGING!!</p> <p>Come and visit the new office for Keller Williams Downtown... 3rd floor of the Brooklyn's Sports Bar, right next to the Pepsi Center. (Don't get sidetracked and stop at the FIRST floor without coming up and inviting us to join you!)</p> <p>Stay tuned for the next class: Thursday, November 18th at 10:00.</p> <p>See you then...</p> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Thu, 11 Nov 2010 13:31:04 -0800 http://activerain.com/blogsview/1964167/weather-is-great-wish-you-were-here- http://activerain.com/blogsview/1941446/how-to-feed-your-blog-into-your-facebook-fan-page How to feed your blog into your Facebook Fan Page <p><strong>How to feed your blog into your Facebook Fan Page</strong></p> <p>Has anyone else ever noticed that just about the time you start feeling comfortable with the features on Facebook, they change them?</p> <p>I posted a blog not that long ago back giving step by step instructions on <strong>how to feed your blog into your Facebook Fan Page</strong>, and it is now outdated, of course. So I wanted to put up the current page-by-page steps - working as of this moment, that is!</p> <div id="__ss_5612004" style="width: 425px;"> <strong style="display: block; margin: 12px 0 4px;"><a href="http://www.slideshare.net/RuthVogt/fb-rss-feed" title="Fb rss feed">Fb rss feed</a></strong><object id="__sse5612004" height="355" width="425"><param name="movie" value="http://static.slidesharecdn.com/swf/ssplayer2.swf?doc=fbrssfeed-101029155802-phpapp02&stripped_title=fb-rss-feed&userName=RuthVogt"> <param name="allowFullScreen" value="true"> <param name="allowScriptAccess" value="always"> <embed name="__sse5612004" src="http://static.slidesharecdn.com/swf/ssplayer2.swf?doc=fbrssfeed-101029155802-phpapp02&stripped_title=fb-rss-feed&userName=RuthVogt" allowfullscreen="true" type="application/x-shockwave-flash" allowscriptaccess="always" height="355" width="425"></embed></object><div style="padding: 5px 0 12px;">View more <a href="http://www.slideshare.net/">presentations</a> from <a href="http://www.slideshare.net/RuthVogt">RuthVogt</a>.</div> </div> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Fri, 29 Oct 2010 17:33:42 -0700 http://activerain.com/blogsview/1941446/how-to-feed-your-blog-into-your-facebook-fan-page http://activerain.com/blogsview/1938858/promo-code Promo Code <p> </p><p><strong> <p>Per our meeting, here is the</p> promo code that will allow you to get one month for just $1! Why do you need a rainmaker account? So you post blogs publically vs members only, and start showing up on Google rankings. </strong></p> <p>　</p> <p>First, we need you to upgrade to an outside blog for one month for just $1　　.</p> <p><br>log into　your active rain　account<br><br>then type this　code into　your address bar: <a href="http://arpromo.com/rvogt/oblocked::http://arpromo.com/rvogt">arpromo.com/rvogt</a>　<br><br>fill out the payment info then click upgrade.　</p> <p>　</p> <p>When your ready to WRITE　YOUR OWN BLOG POST　 here are　 some guidelines we discussed in the meeting today　.</p> <p>　</p> <p> </p><p><strong> <p>How to title a blog post: Use a title that a customer would type into Google.</p> example: "be preapproved to buy a home in castle rock Colorado　"　 Targeting Neighborhoods and focusing on Communities are best, but you can also use City/State. Most searches by consumers always include a geographic area. example: "Vacant Land For Sale in Bend, Oregon" Don't just title your post "Vacant Land For Sale" as it probably won't get indexed to a specific location and will likely get lost in the Search Engine Abyss. (SEO abyss = page 24 of Google)<br><br><strong>Repeat the title in BOLD in the first sentence of your blog post.</strong> example: "Vacant Land For Sale in Bend, Oregon" and now priced better than ever! Build your dream home in Bend, Oregon!"　 By creating the first sentence of your post to include the title and BOLD key search words, terms, or phrases, you'll increase the potential of being found and then read.　 That first sentence is typically the first sentence that shows up under your TITLE within the Google search results.　 It's an important part of getting the search engines to recognize your topic and see it's relative content.　 It's also what will help a consumer decide if they want to click on your link or NOT!<br><strong><br>Write your blog posts to the title...then add in good content that a customer would want to know about.</strong>　　It takes a bit more time to think this strategy through, but the results and rewards will be tremendous.　 This in NOT the only way to gain SEO and more exposure, but it's a great place to start if you're new to Blogging and are wanting quicker results from your time and efforts here.　Creating posts and Understanding Long tail and Short tail search terms:　 Short tail searches are just that, very short keyword searches. example: "Homes for sale" or "Homes For Sale Austin, Texas".　 This is where most searches begin during the early stages of research by consumers.　 The Long tail search comes into play the closer consumers get to making a final purchase decision. example: "Gated Community Homes For Sale With a Pool in Austin Texas"　 Justin Smith explains more about Long tail/ Short tail searches in his post.　 You can also find more details by searching Google for "Long tail and Short tail searches."　 Here's a video that might help make heads or "tails" about this.<br><strong><br>Go through your blog post and make sure that the search term in your title is for repeated a minimum of at least three or four percent of your word count in bold italic or underline.</strong>　　At least one time every other paragraph or so.　 You should also bold those keywords so they stand out to the reader and to the search engines.　 You need to be somewhat creative in doing this and remember, don't over do it.<br><strong><br>Tag your blog posts with other keywords and phrases the customer may type into Google.</strong>　 These should be topic related and relevant to your post. Do not try to game the search engines by packing in keywords that have nothing to do with the post, this will do more harm than good in most if not all cases.　 Also make sure to include images and links to relative sites, this will create more stickiness and add value to your posts<br><br><strong>Add　　Images, Graphics and Photos with Links.</strong>　 Adding images and photos to your Blog is a key ingredient to all the above.　 Imagine a newspaper with just "A WALL OF WORDS!"　 No photos, no graphics or images, no sports or weather photos... MAJOR BORING!!　 Adding images makes your Blog post more cosmetically pleasing to the eye and more interesting to your readers and visitors. Add descriptive title's to your photos, and create hyper-links. Not too large, create a link to the photo elsewhere like to your photo blog, or in my case, Flickr.</strong></p> <p> </p> <p>　</p> <p>Wasn't it the Roy Rodgers show that would always end with ...."until we meet again"???</p> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Thu, 28 Oct 2010 12:36:27 -0700 http://activerain.com/blogsview/1938858/promo-code http://activerain.com/blogsview/1933580/drivers-licences-social-security-card-and-birth-certificates-are-useless-identification Drivers licences, social security card and birth certificates are useless identification <p></p><p>Here is an interesting article about identification that is currently being asked for when <strong>applying for a home mortgage loan</strong>. It's interesting that no matter how hard we try or how many guidelines are set when <strong>applying for a home mortgage loan</strong>, there are still loopholes. Loopholes for tomorrow that we can't even foresee or guard against for tomorrow.</p> <p>This information was posted by Robert Siciliano, who is known as the Identity Theft Expert.</p> <p>If you are <strong>applying for a home mortgage loan</strong> in the Denver area, please contact me. <em>Views and opinions expressed on this site are not necessarily those of WR Starkey Mortgage.</em></p> <p> </p> <p> Ruth Vogt, Branch Manager</p> <p> Colorado LMB #LMB100023827</p> <p>720-489-0712</p> <p> <a href="http://www.mylenderofchoice.com/">www.MyLenderOfChoice.com</a></p> <p> <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p><div id="reblogging_tag">Via <b><a href="http://activerain.com/blogsview/1043046/drivers-licences-social-security-card-and-birth-certificates-are-useless-identification">Robert Siciliano (Identity Theft Speaker)</a></b>:<br><blockquote> <p class="MsoNormal">Robert Siciliano <a href="http://twitter.com/robertsiciliano" title="twitter" target="_blank">Identity Theft Expert</a></p> <p class="MsoNormal"> </p> <p class="MsoNormal">Like it or not, you will soon be effectively identified. And by “soon,” I mean within the next 10 years. Big Brother, whatever that means, will have your “number.” Governments across the globe have been gearing up and introducing numerous technologies to identify, verify and authenticate.</p> <p>Identity is a simple idea that has become a complex problem. It has become complex due to fraud. Fraud, motivated by money, easy credit, and the ease of account takeover. Because identity has yet to be effectively established, anyone can be you. “Identity has yet to be established” is a bold statement that really requires an entire blog post. I’ll explain briefly here and in detail another time.</p> <p><span><span>We have as many as 200 forms of ID circulating from state to state, plus another 14,000 birth certificates and 49 versions of the Social Security card. We use “for profit” third party information brokers and the lowly vital statistics agency that works for each state to manage the data. All of these documents can be compromised by a good scanner and inkjet printer. This is not established identity. This is an antiquated treatment of identity and ID delivery systems. </span></span>Identity has yet to be established.</p> <p>Proper identification starts with government employees, who basically have little say in the matter. Small, specific segments of society such as airport employees, those of immediate concern to Homeland Security, are also first in line to be identified.</p> <p><span><span><a href="http://www.securitymanagement.com/news/twic-compliance-starts-today-critics-angry-card-readers-not-deployed-005486" target="_blank">Security Management</a> reports that as of this month, all workers and mariners attempting to access secure maritime and port areas nationwide will have to flash a government-approved <a href="http://www.tsa.gov/what_we_do/layers/twic/twic_faqs.shtm#required_twic_date" target="_blank"><span>Transportation Worker Identification Credential (TWIC)</span></a>,</span></span><span><span>biometric identification card before entry.</span> As expected, the system is riddled with problems and complaints.</span></p> <p><a href="http://www.nextgov.com/the_basics/tb_20080610_8037.php" target="_blank">HSPD-12</a>, or Homeland Security Presidential Directive 12, set universal identification standards for federal employees and contractors, streamlining access to buildings and computer networks, but not without some glitches.</p> <p><span><span>Many privacy advocates scream in horror about a national ID. The fact is, we already have a national ID and it’s the Social Security number. While the Social Security number was never intended to be a national ID, it became one due to functionality creep. And it does a lousy job, because anyone who gets your SSN can easily impersonate you.</span></span></p> <p><span><span>Privacy advocates and others who believe that there is or ever was true privacy are operating under an illusion. The issue here isn’t really privacy, its security. It’s managing our circumstances. Growing up, my mother was a privacy advocate. She advocated that privacy was a dead issue as long as I lived in her house. At any given time, she could rifle thorough my stuff if she even got a hint of glazed eyeballs.</span></span></p> <p><span><span>I’ve always been fascinated with identification and what it means. Over the years, as I’ve dug deeper into information security and then identity theft, I have been floored by the ineffectiveness of the existing system.</span><span> Numerous identity technologies use software or hardware as the delivery system. A Smartcard is a delivery system, it isn’t your identity. Identity may include biometrics and verification questions.</span></span></p> <p><span><span>Then there is the issue of properly identifying a person. How? And what is the difference between authentication and verification? I’ve always used them interchangeably, so I asked an expert, </span></span>Jeff Maynard, President and CEO of <a href="http://www.biosig-id.com/" target="_blank">Biometric Signature ID</a>, who is in the game of properly identifying his clients’ clients through dynamic biometrics, for his take on <span><span>authentication vs. verification</span>. There is a distinct difference<strong>. <span>“</span></strong></span><span>Authentication is the ability to verify the identity of an individual based on their unique characteristics. This is known as a positive ID and is only possible by using a biometric. A biometric can be either static (anatomical, physiological) or dynamic (behavioral). Examples of each are: Static - iris, fingerprint, facial, DNA. Dynamic - signature gesture, voice, keyboard and perhaps gait. Also referred to as something you are. Verification is used when the identity of a person cannot be definitely established. Technologies used provide real time assessment of the validity of an asserted identity. We don’t know who the individual is but we try to get as close as we can to verify their asserted identity. Included in this class are out of wallet questions, PINS, passwords, tokens, cards, IP addresses, behavioral based trend data, credit cards, etc. These usually fall into the realm of something you have or something you know.”</span></p> <p><span>Identity proofing means proving identity, which, as I see it, is the foundation for identity and one of the most overlooked and under discussed aspects of identity amongst industry outsiders. This is a most fascinating topic. I will get into that soon.</span></p> <p>Robert Siciliano, identity theft speaker, discusses <a href="http://www.youtube.com/watch?v=fqoHSACQ34U" title="SSN" target="_blank">Social Security numbers</a>.</p> <p><span>I’m excited </span><span style="font-size: small;">to work with uni-ball in 2009 in a partnership to help raise awareness about the growing threat of identity theft and provide tips for protecting yourself. Check out </span><a href="http://www.uniball-na.com/main.taf?p=11" title="uniball" target="_blank">uniball-na.com</a><span style="font-size: small;"> for more information. </span></p> <p><object height="344" width="425"><param name="movie" value="http://www.youtube.com/v/fqoHSACQ34U&hl=en&fs=1"> <param name="allowFullScreen" value="true"> <param name="allowscriptaccess" value="always"> <embed src="http://www.youtube.com/v/fqoHSACQ34U&hl=en&fs=1" allowfullscreen="true" type="application/x-shockwave-flash" allowscriptaccess="always" height="344" width="425"></embed></object></p> </blockquote> </div> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Mon, 25 Oct 2010 18:59:49 -0700 http://activerain.com/blogsview/1933580/drivers-licences-social-security-card-and-birth-certificates-are-useless-identification http://activerain.com/blogsview/1929750/have-the-closing-docs-been-sent-yet- Have the closing docs been sent yet? <p><big><big>Have you had issues with getting your closing documents to the<br>closing table on time? Why? Is it the company? Is it the processor? The<br>closer? The title company? Maybe all of the above??</big></big></p> <p> </p> <p><big><big>And with all the changes in the industry it's hard sometimes to<br>identify what or who is to the cause of the delay.<em> (I actually feel<br> sorry these days for the mortgage brokers! Will they EVER get a break??<br> It seems every regulatory change knocks one more chink out of their<br> armor.) </em></big></big></p> <p> </p> <p><big><big>But when we get right down to it, it's usually making sure you start<br>with the right loan officer! <br> </big></big></p> <ol> <li><big><big>A poor loan officer in a poor enviornment will surely result in a disaster. <br> </big></big></li> <li><big><big>An inefficient loan officer in a company with great systems can even survive, at least most of the time.</big></big></li> <li> <big><big>And certainly a good loan officer in an inefficient system will</big></big><big><big> eventually fail.</big></big> </li> </ol> <p> </p> <p><big><big>So, it's not just what loan officer you work with but what COMPANY<br>your loan officer works with that will produce the result you desire:<br></big></big></p> <div style="text-align: center;"><strong><big><span style="color: #009900;"><big><big>CLOSING DOCS ON TIME WITH NO SURPRISES!</big></big></span></big></strong></div> <p> </p> <p><big><big><a href="http://activerain.com/foersters" title="Mortgage Application" target="_blank">Donna Foerster</a> recently posted a blog about a program called www.Xtranormal.com that produces animated videos with very little personal techno skills. I had first heard about this program almost a year ago, but couldn't help getting sucked in again. It's so fun and so easy, so I had a little fun last night and produced a video called:</big></big></p> <p><big><big> <br> </big></big></p> <p style="text-align: center;"><big><big><strong><big><span style="font-family: Monotype Corsiva;"><big><span style="color: #6600cc;">"A day in the life of a mortgage manager" </span></big></span></big></strong><br> </big></big></p> <p> </p> <p><big><big>Hope you find it humorous:</big></big></p> <object height="390" width="480"><param name="movie" value="http://www.xtranormal.com/site_media/players/jwplayer.swf"> <param name="allowFullScreen" value="true"> <param name="allowscriptaccess" value="always"> <param name="flashvars" value="height=390&width=480&file=http://newvideos.xtranormal.com/web_final_lo/dc49075c-debb-11df-9593-003048d69c21_2_web_final_lo_web_finallo-flv.flv&image=http://newvideos.xtranormal.com/iphone_final/dc49075c-debb-11df-9593-003048d69c21_2_iphone_final_poster.jpg&link=http://www.xtranormal.com/watch/7436831&searchbar=false&autostart=false"> <embed src="http://www.xtranormal.com/site_media/players/jwplayer.swf" allowfullscreen="true" allowscriptaccess="always" height="390" flashvars="height=390&width=480&file=http://newvideos.xtranormal.com/web_final_lo/dc49075c-debb-11df-9593-003048d69c21_2_web_final_lo_web_finallo-flv.flv&image=http://newvideos.xtranormal.com/iphone_final/dc49075c-debb-11df-9593-003048d69c21_2_iphone_final_poster.jpg&link=http://www.xtranormal.com/watch/7436831&searchbar=false&autostart=false" width="480"></embed></object><object height="390" width="480"><param name="movie" value="http://www.xtranormal.com/site_media/players/embedded-xnl-stats.swf"> <param name="allowFullScreen" value="true"> <param name="allowscriptaccess" value="always"> <embed src="http://www.xtranormal.com/site_media/players/embedded-xnl-stats.swf" allowscriptaccess="always" height="1" width="1"></embed></object><p></p><p> When the time comes to find a mortgage lender, find the right LOAN OFFICER and the right COMPANY. </p><p></p><p>Call me today to start the mortgage process if you are seeking a smooth mortgage loan process! </p><div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Sat, 23 Oct 2010 12:54:30 -0700 http://activerain.com/blogsview/1929750/have-the-closing-docs-been-sent-yet- http://activerain.com/blogsview/1929716/check-out-gwen-s-post- Check out Gwen's post! <p>Gwen took the plunge into going public with her posts, and look at her Google rankings! I have been watching her post move from the second page TO NUMBER ONE <strong>AND</strong> NUMBER TWO in just a few days. You go, Gwen!!!</p> <p>It won't be long and you guys won't need me anymore. You have Gwen to show you how to do this!!</p> <p>Gwen, YOU ROCK!!</p> <p>Someone needs to help Shirley get a photo uploaded to our group. I have an idea... we'll take a picture of the group on Monday and upload that???</p> <div class="agent_signature"> <hr> <p style="text-align: left;">Opinions expressed here are the sole responsibility of the author, and do not necessarily reflect the view of Starkey Mortgage.</p> <p style="text-align: left;"><img title="Ruth Vogt Colorado Lender" src="http://activerain.com/image_store/uploads/3/8/9/4/1/ar12918578314983.jpg" height="125" alt="Ruth Vogt Colorado Mortgage Lender" style="float: left;" width="100"> Ruth Vogt, Colorado Regional Manager</p> <p> Colorado #LMB100023827, NMLSR# 257576</p> <p>   <a href="http://www.MyLenderOfChoice.com">www.MyLenderOfChoice.com</a></p> <p>   <a href="mailto:rvogt@wrstarkey.com">rvogt@wrstarkey.com</a></p> <p> </p> <p><a href="http://twitter.com/coloradolender" title="Follow me on Twitter"><img src="http://www.twittericon.com/wp-content/uploads/2010/08/forest-icon.png" border="0" height="78" alt="Twitter Icon" width="98"></a>           <a href="http://www.facebook.com/pages/Colorado-Home-Lending-Team/221043399224" target="_blank"><img title="http://www.facebookloginhut.com/facebook-login/" src="http://www.buttonshut.com/Facebook-Buttons/Facebook-Buttons-24-87-.jpg" border="0" height="82" alt="http://www.facebookloginhut.com/facebook-login/" width="98"></a></p> <p> </p> <p><br>by <a href="http://www.twittericon.com" title="Twitter Buttons">Twitter Buttons</a></p> <p><img title="Timer" src="http://www.stopwatchhut.com/stopwatch.png" border="0" alt="Timer"></p> </div> Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado (Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers) Sat, 23 Oct 2010 11:36:54 -0700 http://activerain.com/blogsview/1929716/check-out-gwen-s-post-