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ruth vogt: If you can order coffee, you can understand social media! - 04/15/11 12:21 PM
Several of our Denver office employees have recently decided to take on the challenge of trying to understand social media. Our operations manager, Sharon Shunk, entitled her first blog, "What does Social Media and Starbucks Have in Common". It was a great analogy that stayed with me for a couple of days.
One day I happened to be at a Starbucks store (#10114) and was telling our Aurora manager, Rona Lewis, 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 … (79 comments)
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ruth vogt: I retired my walker today! - 03/16/10 02:50 PM
HOORAY! For those of you that either know me or have been reading my posts, you know that I recently broke my hip while on an out of town business trip to New Orleans. Three weeks ago last Sunday, to be exact. I was told to expect to be using a walker for 6 weeks (yes, I teared up over that one!) BUT today I graduated to crutches. ***cheers*** And I'm pretty sure I'll be using just a cane maybe by the end of the week. We'll see???
And what do I attribute my faster than expected recovery to? YOU! Thank you … (11 comments)
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ruth vogt: For better or for worse... - 03/07/10 12:58 PM
Well, it has been FOREVER (over a month!) since I posted. So in the spirit of the meaning of "blog" (web log) I need to catch up before moving forward.
For better or for worse is the name of this post, as the month of February (the one month of the year that represents LOVE) gave our marriage of over 28 years an opportunity to test both.
For Better: We had an incredible twelve days to sit in the sun with friends and family in Cabo.
We woke each morning to an incredible sunrise, somehow always different from the day before.
… (17 comments)
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ruth vogt: New Year's Resolution that I've decided against! - 01/01/10 10:08 AM
I just had to reblog this one. Just as a reminder on why I don't have to add this one to my list this year!
Happy New Year!
Via Mary Douglas, REALTOR ®, Red Feather Lakes, Colorado (United Country Ponderosa Realty):
One of the number 1 New Year Resolutions, next to losing weight, is getting fit. Walking is great way to do this. Lisa VonBargen, my friend in Estes Park, has a great post today about a wonderful place to take a walk in Colorado.
Yesterday, one of my friends sent me an email about the Importance of Walking, filled … (3 comments)
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ruth vogt: BELIEVING you will have a Happy and Prosperous New Year! - 12/31/09 04:55 PM
Believing 2010 will be a great year for Active Rain! I, for one, have learned so much and have so much more that I know I will learn this next year. Thank you to all Rainers for your support, direction, and the friendships this year. One can only imagine what next year will bring! Cheers!
… (7 comments)
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ruth vogt: Remember when you believed? - 12/30/09 02:44 PM
Remember when you believed all you had to do was ask?
For those of us in sales, could that be something we often forget?
Ask for a referral?
Ask for the appointment?
Ask for the business?
Believe in... YOURSELF!
Are you wishing for a prosperous New Year in 2010? Or believing it?
Something to think about!
… (23 comments)
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ruth vogt: The REAL story behind the Wizard of Oz! - 12/28/09 05:56 PM
A couple of weeks ago Mr. Barry Habib visited our office and gave us a number of "stories" which have prompted my writing of a couple of previous posts: What Would Rip Van Winkle Say About Homeownership, and Why Interest Rates Won't Get to 4%.
But there's another story Barry entertained us with which I can't seem to get out of my head, so I'm going to share it with you, also. It's the "Now you know the REST of the story" behind the Wizard of Oz. An explanation that some of you may have heard before, but quite honestly is my first exposure to the political interpretations and … (8 comments)
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ruth vogt: Do I have to sell my home to qualify for the $6500 move up tax credit? - 12/01/09 11:01 PM
That is the question that came up in today's sales meeting with one of our real estate groups. Quite a bit of debate, however, the Q&A section found on the IRS website states "No". Think of the advantages we have here. If a seller is concerned about selling in this market, yet wants to take advantage of the real estate bargains available, they are not being forced to choose. They can have their cake and eat it too, so to speak.
Specifically, the Question asked is:
Q: I'm already a homeowner. If I buy a replacement home after Nov. 6, 2009, to … (5 comments)
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ruth vogt: New Colorado Cell Phone Law goes into effect TOMORROW! - 11/30/09 12:41 PM
Effective tomorrow, Colorado drivers will be ticketed if an officer "sees" you texting while driving!
There is a rumor going around that the law also bans the use of hand held phones. But according to the website (http://www.drivinglaws.org/colorado.php) that's not true. I also contacted a state trooper that confirmed the law, created as a result of Housebill 1094, does not ban the use of hand helds for drivers 18 and older.
First offense is a $50 fine plus a surcharge of $6.
Second offense is $100 fine plus the surcharge of $6.00.
If you are curious what the individual state laws are, here's … (7 comments)
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ruth vogt: Can a house have too many Christmas trees? - 11/22/09 11:08 AM
Have you gone to Christmas parties that have "designer trees" in each room??? Do you envy them or does it turn you off?
I, for one, want just one tree that is very well "put together". So you know what I do? I actually bought it when we moved into our home about 10 years ago... how could I resist? It won first place but that's not why. It was named "To Grandmothers house we go!". That did it. I bid on it (good cause for charity!) and it's been my main tree since then. We never "undecorate it". I had … (5 comments)
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ruth vogt: Conventional Conforming Loan Limits Extended - 11/14/09 10:39 AM
Conventional Conforming Loan Limits Extended
In a previous post last month I expressed a concern about the conforming loan limits, which has now been extended.
… (0 comments)
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ruth vogt: Homebuyer Tax Credit Extended and Expanded - $8000 for First Time Homebuyers and $6500 for Move-Up Buyers - 11/09/09 08:57 AM
I couldn't have said it better, so why try? After reviewing a couple dozen blog posts, this seemed to be written the best, so I'm sharing it with you.
Via John Jones (Keller Williams Elite, Dallas/Park Cities):
The $8000 Homebuyer Tax Credit has been officially extended and expanded to include a new $6500 tax credit for move-up buyers. Dallas area first time homebuyers and move-up buyers now have until April 30, 2010 to obtain a written, binding contract and until June 30, 2010 to close the transaction.
Some of the details and guidelines for the homebuyer tax credit were changed slightly … (1 comments)
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ruth vogt: A renter tracked me down through AR!!! - 11/06/09 12:23 AM
I couldn't believe this! I had a rental property that I placed on a website on Monday night. By Tuesday at noon I had about a dozen emails in response to the ad. But you can imagine my surprise when I noticed an email with the "Sent via Active Rain" return address notification and subject was my rental property. Of course I had not posted my rental on AR, so it obviously peaked my curiosity.
I immediately responsded to her telling her the property had already been rented, but inquired as to how in the world she found me on Active … (10 comments)
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ruth vogt: Oh my! Background check for lenders but not for NURSES? - 11/05/09 11:38 PM
A very sad story was just reported on one of the local television shows from a father's perspective about a nurse stealing pain killing drugs from his recently deceased daughter, a 28 year old melonoma patient.
That is the very sad part. The shocking part is who regulates that industry... DORA! The same regulatory agency that governs mortgage lenders and real estate agents! Ok, are you sitting down??? THERE IS NO REQUIREMENT FOR BACKGROUND CHECKS FOR NURSES!! Why? They say because of the expense???
WHOA... as professional lenders, it was legislated that we had to pay the expense for a background check if … (7 comments)
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ruth vogt: Holiday Homes for Sale Tour - 11/04/09 08:13 PM
Have any of you put together a Holiday Homes for Sale Tour? I'm looking for any input, ideas or examples that you have heard about or done in the past to give sellers a reason to list NOW. Afterall, when does their home look better, smell better, and show better than over the holidays? And let's face it, if you have a buyer over the holidays, they are serious!
We all have a tendency to tell ourselves that things practically stop over the holidays. Maybe that's just what we tell ourselves?? Maybe we need to create some excitement and a call … (3 comments)
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ruth vogt: Grandma Got Run Over by a Reindeer - 11/04/09 05:06 PM
I couldn't help but think of that song when I heard a report today giving the top five states drivers are most likely to hit a deer. But what REALLY surprised me was that Colorado was not even in the top ten!
The estimates shown below are based on a comparison of an insurance company's "deer accident" claims with vehicle registrations from the Federal Hiway Administration. Here's the list to see if you are in a state living "deerangerously" every time you get behind the wheel:
West Virginians drivers have a 1 out of 39 chance of hitting a deer in the next 12 … (4 comments)
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ruth vogt: Mortgage Lender in Englewood, CO couldn't be happier! - 11/02/09 12:47 PM
As a mortgage lender in Englewood, Colorado, a suburb of Denver, I can't tell you how excited we are about the article recently published by the Denver Business Journal!! The heading says it all: Denver Home Prices Rise for Sixth Straight Month! Even though we are a mortgage lender in Englewood, that's close enough for us to stand up and yell "HOORAY"!
The report indicates our area home prices were still down 1.9% in comparison with August home prices a year ago, However, I feel confident that Denver (including Englewood!) is headed in the right direction with a one percent increase of July, … (1 comments)
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ruth vogt: Are you having issues this morning??? - 11/02/09 07:33 AM
It's now taken me 45 minutes just to get logged in and get a photo posted! What's up this morning??? Is it just me, or is EVERYONE having issues this morning??? Not the best way to start a Monday morning!!!
Guess I'll give this up for awhile and find something else to do before my caffine gets the best of me!!!
grrrrrr.....
… (12 comments)
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ruth vogt: Goodbye Jack-0-Latern! - 11/02/09 07:16 AM
Well, Halloween is past, so I dropped the jack-o-lantern profile picture ...but couldn't give it up without explaining.
You see, last year my granddaughter (who was TWO at the time!) created this piece of art for us (completely unassisted, I might add!). I found it interesting that she had the correct features, just sideways. Other than that, she did a great job, I thought!She has a twin sister and a sister two years older that also did some fancy stuff, but the cropping of the photo that was done by AR automatically cut the other two out of the picture??
I'll miss seeing … (1 comments)
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ruth vogt: I've seen ghost lights and so has National Geographic! - 10/31/09 04:23 PM
In the spirit of Halloween, I just had to share the following account of an actual sighting.
We sometimes camp along the Arkansas River near Howard, Colorado, which is where the cemetery is located that initially sparked our curiosity. We'd heard about the "dancing lights" at a local restaurant, so one night a bunch of us piled in the car after dark hoping to see them for ourselves. And much to my shock, WE DID! It was such a show of lights that when I got back to Denver, I went to the public library to do some research as there had to … (11 comments)
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Ruth Vogt 720-489-0712 (LMB#100023827) FHA VA Conventional Home Loans Colorado
Centennial,
CO
More about me…
Ruth@WRStarkey.com: Pre-apprvls, 1st Time, Move Up Buyers
Address: Englewood, Littleton, Denver, Parker, Castle Rock, Monument, Castle Rock, Offering FHA, VA, conventional, bond financing programs, Contact , ME, 720-489-0712
Office Phone: (877) 489-0709
Cell Phone: (303) 881-7849
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