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This time with celebrations of gaiety freshly cemented in our minds, we plough ahead.
This time, we carry with us, learned instruction - experience we resolve to use... THIS time.
THIS time though, is different.... Time has been lessened....
We cannot use what we applied in the past because we have run out of that time!
Nevertheless, we begin again.... With fresh determination... we set out...
Will we ever come into the knowledge of the truth? If we continue to pursue goals based upon what WE want, time after time, without noticing our failed unfulfilled objectives, something is wrong! There is a divine order to acquiring and achieving everything that pertains to life, and it begins in the realm of the unseen. Faith!
Walking by faith, however, does not mean we can decree a thing (including resolutions) and expect them to materialize! There has to be an initiated origin. And WHAT is this origin? This origin is the “measure of faith” seed deposited unto our spirit. When it emerges in the natural though, It’s often bypassed, kicked to the curb, and despised. It gets trampled upon in our hurried pace to nab that appealing object of our affection! This itty bitty piece of “originating substance”, also known as “small beginnings” shows up unpolished, unpopular, and plain, just as the tree of life appeared in the Garden - undesired and rejected. This treasure is our passport unto levels and launches needed to DO exploits of the Lord - the “greater works”!
As we become thankful faithful stewards in the small, God promises to add. Because it’s HIS desire to hold no good thing from us, HE alone orders the time and place! Interpretation: Good Expected End!
It’s set-up time in the earth! If we’d take time to wait before the maker of time, we’d gain a hearing ear, get the revelation of the “substance” HE has specifically entrusted to each of us, allowing HIS plans to manifest in demonstration. Oh let us all see the bigger picture!
The search is on for vessels HE can show HIMSELF strong through! When GOD establishes a business, awards a gift, or anoints an idea, it for HIS purposes, and becomes HIS business. Can HE use ours?
Or will we begin again... at the onset of another year.... without HIM....
Except the LORD build the house.... they labor in vain that build it. Psalm 127:1
For with GOD, nothing shall be impossible. Luke 1:37
But without faith, it is impossible to please HIM... Hebrews 11:6
Copyright © 2012 Diane Rice - All rights reserved
There are historical sleepers emerging out of their intense 5 to 20 year deep snooze.... Awakening in time to discover that completely owning their home was just an illusion! A fading vision that stopped short of completion, it was just a DREAM, that for some, graduated to becomig a horrific nightmare!
Statistics record that 1 out of every 200 homes in America will be FORE-closed upon and that every 3 months, a staggering 250,000 new families will begin one! (Mortgage Bankers Association)
FORE-closure has become the new FORE-letter bad word! At the time buyers signed the documents FORE the home, most did not have the FORE-sight ahead to see this day! It was a FOREign word then and has become a word we'd like to FORE-get now!
With job loss being the number 1 reason, there still remains many options be-FORE one has to endure the dreaded FORE-closure procedure: Receiving a deed in lieu, undergoing a short sale, negotiating a loan modification, accepting a FORE-bearance agreement, and refinancing, are a few. Sleepwalking walking away has also been chosen by those without FORE-seen hope.
Advisers rarely suggest that borrowers can and should retain their investment by renting their homes through a reputable property management company while downsizing. This choice can be a win win solution for both the mortgage holder and the lessee. We have found some of the best possible renter-candidates to be past homeowners! They possess a lengthy and faithful payment history and do yearn to recapture a bit of their lost dignity stolen in the strip-search during their FORE-closure!
This American dreamer has awakened wiser, is clothed with genuine humility, and is in need of a little mercy. These are the choicest prime prospects, and should be highly sought after by discerning property management companies. Equipped with acquired homeowner mentality, managers of quality rental homes have a much safer guarantee if they targeted some of these professional lessees, rescuing them out of their nightmares by placing them in their best abodes... FORE-sure!
"Where the RIGHT Price is the RICE Price!"
© Copyright 2011 Rice Property Management, All rights reserved
Rice Property Management & Realty, L.L.C., serves South Suburban IL & Northwest IN Residential & Commercial Real Estate. 423 East 158th Street, South Holland, IL 708-862-7423. We disclaim all liability for any damages or losses, directly or indirectly that may result from use of or reliance on information contained in this blog or for accuracy of comments or opinions of visitors to my blogs.
Wonder WHY things are NOT happening as you believe they should for you? Ever seem like only OTHERS are realizing their purposes in life, and NOT YOU??
There is a possibility that you need to acquire "substance". Just WHAT is substance? Substance is that itty bitty amount of accumulated matter that settles upon things.... ANY thing that is a "thing" gets a dose of it as long as the thing is not moving! It's the stuff you cannot see in it's onset... it's like fine grained...
"dust"!
Dust appears.... right? If we would just leave things alone and wait long enough.... dust will certainly show up! Now, listen... MAN was created from the "highest part" of it!
....And the WORD says that faith IS.... substance!!!
Hmmm! Meditate upon that for a few and let it marinate into your spirit. Receive it because you NEED it! No sense in looking any further! Shhh - quieten yourself and acquire it.... WAIT for it - it WILL come!
Because faith IS this SUBSTANCE of things YOU ache and long for, this means that the desires of your heart TRIGGERS this stuff! There will never be EVIDENCE of your dreams ever materializing to it's FULLNESS until you start with this teeny weenie amount of this powdery, dry, accrued..... "substance"!
Hmmm! Have you been sweeping your substance under the rug? Blowing it away? Discarding it? Flushing it? Well... Allow it to be settled upon you anew.... it's useable!
Be encouraged today....sit still and acquire some....."substance"
Remember, God causes "substance" be be inherited.... but ONLY to those that love HIS instruction, and HE says that ALL things are POSSIBLE... with "substance".... (the primary ingredient in FAITH!)
© 2011 Diane Rice
..... Next .....
"What to DO with that "substance!"
It occurred again!
An inquirer called with an elaborate saga of justification in defense of her credit report being so displeasing. Due to her co-signing for a relative who had not honored his repayment agreement, the negatives were recorded, reducing her score to the low 500's. She continued on about having to abruptly move before the lease term was completed because of a job relocation.
If that was not enough, the drama continued with detailed information describing what s he said was rude and inconsiderate treatment received by her former management company upon returning the keys. She expected to get an approval nod for cleaning the unit instead of a reprimand for the early termination.
Guess how many times my antenna went up???
With a half-second pause in between her sentences, the caller begin to outline an intricate list of what she desired from us....
Applying for a rental is NOT an audition for a starring role. These types of Turn OFFS Will Get You Turned DOWN!
"Where the RIGHT Price is the RICE Price!"
© Copyright 2011 Rice Property Management, All rights reserved
DISCLAIMER: Rice Property Management & Realty, LLC, servicing the South Suburban Illinois and Northwest Indiana Areas, in Residential & Commercial Real Estate, located at 423 East 158th Street, South Holland, IL 60473, 708-862-7423, disclaims all liability for any damages or losses, directly or indirectly that may result from use of or reliance on information contained in this blog or for accuracy of comments or opinions of visitors to my blogs.
Today, the rain came...
Today,  the rain came down at a pace with determined repetition, relentless in it's ambition to wash away all traces of remembrance of every opponent in it's path. It's purging cleansing downpour was sent to search under, over, through, and in between secret places of hoarding, unabashedly liberating agendas, plans, plots, and schemes in it's uncovering. This pronouncement upon the earth has come to extinguish all evidence of lurking devices.
A grand elimination of waste and weights occurs in this drenching. Hidden works of darkness, being exposed, have no way to cloak it's lewd nudity in this flushing. Divisive strategies targeted for specific timings are uprooted as the deluge of waters immerses and swallows fears accustomed to lavishing unappeased torment upon it's victims.
It's the latter rain given for 2011......
It's sent to eradicate past misgivings of yesteryear, and pave the way for the new! It a time of refreshing... no better instance to thoroughly examine oneself with sincere scrutiny... accepting the truth of fragile failings, and also releasing the pangs of it's condemning provocations! Your freedom is here!
In this rain is one who reigns absolute! HE is an exuding garment of forgiveness, relief, and release! As HIS stripes settles upon every receptive wound, inner and outer healing begins to restore, making NEW!
WHO will drink of this FREELY disbursed Living Rain Water?
Copyright © 2010 Diane Rice
As the Father has loved Me, so have I loved you.... Continue always in this love. John 15:9
 With the wind chill factor being 2 below, and an actual temperature of 14 degrees, if one is not acclimated to the weather in the Midwest, they'd head for the nearest island in the South Pacific from just the THOUGHT of the frigid cold nearing it's way!
Here, in Illinois, we adjust, for we have accepted the seasonal changes. We don't get too alarmed listening to the news reports... it's expected! Now, listen, if the *hawk went to Alabama, tempered with just a 'lil bit of snow..... Hunnie, you'd get a vivid new meaning of some foods: Namely "BREAD ROLLS" & MILK SHAKES!" *("hawk" means the cold, blowing, stinging wind - in Chicago lingo)
Just ask Charita Cadenhead, a transplant from Detroit. She finally got accustomed to the ways of the Southern belles & beaus as if it were the regular fare of the day! She did however write her post though, to give others a peek into some of the widely practiced traditions put into use on days when snow makes it's visitation! I smiled widely reading it!
Scanning through a few Facebook notations, i ALSO read with much sober interest the other day, an incredible account of what someone else had observed. This fellow Chicagoan reported to the audience what he had witnessed while he himself was making haste to get to the warmth of a heat-filled enclosure.
In his direct warning to others about the danger of the arctic-like piercingly bitter cold, still shivering, he spoke in between sniffles, walking stiffly, making mummy-like movements. You see, he understood that a sudden misstep could mean a loss of his toes, for they were apparently frost-bitten!
Now, this particular scribbler has close to 5,000 fans, friends and admirers that habitually tune in for daily counsel. Naturally, those of us that click in, come braced to receive words of wisdom to apply to our lives, but this was one NONE of us saw coming when out of his lips (due to the fierceness of the cold) came:
"Mannnn, brrrr!!! It is SO COLD outside..... that i saw....
A PIT BULL...... WEARING A POODLE!
("This beautiful pit bull terrier enjoying the heavy snowfall is owned by Briar Patch Plantation in MD") www.briarpatchplantation.com
MERRY CHRISTMAS TO ALL - STAY WARM! WISHING EVERYONE A HAPPY NEW YEAR!
OK, so the deal did NOT go through because at the last minute_________________________(YOU fill in the blank!) You were tasting that money weren't you? Your plans were to pay that bill, stock up on supplies, get someone a gift, etc.... (Of course, it NEVER entered your mind to do something for yourself, right?)
Now, if THAT wasn't enough, you get a call from your wonderfully faithful & loyal seller asking you to  please cancel the listing because: ___________________________(YOU fill in the blank!)
No problem, you've adjusted yourself to this before, so again, with a shrug of the shoulders, retrospective thinking, and a water-under-the-bridge-outlook, you take the stoic mask out of your "treasure chest", blow the dust off and slap it on your face! NEXT!
On to the computer to send out updates to your remaining sellers and buyers! Hmmm... among the list of messages is an emailed letter from one of the seller's attorneys announcing that the short sale due to close in just 2 days was foreclosed on TODAY!! WOW!! WOW!! WOW!!
WAIT!! There's more........ On your way home, you discover a freshly positioned "FOR SALE" sign stuck in the yard of:_______________________________(YOU fill in the blank!)
Knees don't fail me now, you're thinking, as you wobble inside the door. You collapse in your favorite chair clutching the mail that was gathered from the mailbox on your way in. Your eyes spy a particular envelope.... The script is unmistakably handwritten, the stamp affixed lopsided, and it's return address is not present. Your brow instinctively forms a puzzled expression as you brace yourself in minuscule moments of silence...
Hearing yourself breathe, you hesitate before opening it after finding no clue present indicating whom the sender may be. Your musings dismissed the finality of it being junk mail.... Nah! this appeared to be TOO authentic! A small amount of precaution registered when a fleeting glint of "anthrax" peeped out amidst the tally of fear mongering images poised to invade your mind. Well, you quickly discard that supposition - smug in your knowledge of prevention, your sniffer is already pre-conditioned on what to do!
"It's amazing how curiosity can practically eradicate thoughts of freshly experienced bad news!!"
OK I'M OPENING IT... you think inwardly... Of course, you then proceed to salvage through all the other mail first. Sighing, you rehearse the happenings of your day, seeking justifiable consoling... to no avail. Tears fail to come. Slinging your coat to the chair, you walk over to the refrigerator to get a cold one. OH GOOD! Husband left some orange juice in the carton! Cool!
Sitting to the table in the kitchen, it finally happens... flowing, then rolling, peaking to unrestrained gushes... blinding both eyes... the pent up tears irrevocably make their escape... upon witnessing the contents of the decisively opened letter:
It's an ORIGINAL drawing sent by a child showing gifts being presented to THE KING! Suddenly... nothing else that could ever transpire THIS DAY mattered...
© Copyright 2010 Rice Property Management, All rights reserved
image courtesy of Vincos
All things work together for good to them that love God, to them who are the called according to HIS purposes.
Thanks to the keen observation of Karen Hurst, whom i faithfully subscribe to, this most valuable post has NOT been overlooked! THANKS KAREN!
 Here, Ann Sabbagh shares unselfishly regarding the plight in America affecting us ALL instead of bringing attention to her triumphantly accrued 100000 POINTS made on Active Rain!!
Please follow suit as Karen Hurst has suggested, and re-blog this around! Perhaps it may get into the hands of those that can PUT IN PLACE A FEW OF HER SUGGESTIONS TO MAKE A DIFFERENCE!!
Via Ann Sabbagh, Sr. Loan Officer (Seacoast Mortgage Corporation, RI, MA, CT & FL):
100,000 points. Sign of passion over this business? Perhaps I just love blogging? Enjoy receiving comments? Look forward to the next client who finds me because of Active Rain? Or my intense desire to see us recover from this economic recession and see homeowner's STAY in their homes vs. suffer foreclosures or short sales?
I have blogged a lot about keeping the homeowner in their home and I am still passionate about developing a plan to do just that.
In summary, I propose
•1) implementing new common sense underwriting guidelines for the loans which are eligible for refinance, but the subordinating lender refuses to subordinate or any refinance which "makes common sense" for other logical reasons. In cases where "common sense" underwriting does not prevail, mortgage insurance is placed on the subordinate lien to make the 2nd lien holder feel comfortable to agree to the subordination.
•2) forbearance of debt (not elimination) for the amount of the mortgage in excess of 95% of current market value for those borrowers which can demonstrate a hardship. Why should a stranger be allowed to buy a home at a price the current owner can afford? Forbearance of debt is better than selling the home, leading to large lender losses, deteriorating/unkept properties, and attorney fees.
•3) allowing a streamline rate & term refinance for anyone. The FHA streamline rate & term program would be used. This program includes placing mortgage insurance on the new loan. For those who do not qualify due to poor credit as a result of applying for a loan modification or for any hardship reason, they too should be allowed to rate & term streamline refinance through the FHA program with mortgage insurance.
•4) allowing a re-entry into home ownership for those borrowers who fell victim to the mortgage crisis and were not allowed any of these remedies. FHA guidelines, which would include home buying education, can be developed which would allow for re-entry of the former homeowner. Currently, there are 10-15% less home buyers in the market due to foreclosures or short sales. They must wait 4 years until they may qualify again. Some of these buyers should wait 4 years, but the former homeowners who suffered due to job loss and were not allowed a loan modification should be allowed re-entry sooner than 4 years.
In order for this economy to recover, the homeowner MUST STAY IN THEIR HOME. Please pass on this blog to anyone who may have a connection to leaders in the government or lending industry to implement any of these proposals.
Homeowners everywhere will THANK YOU!
Ann Sabbagh, Vice-President
"The BEST compliment is a client referral: Thank YOUUU!"
Seacoast Mortgage Corporation
401-305-6906 or 508-243-1190
Residential & Commercial Financing
MLO10920
RIAR: teacher for "The Mortgage Course"; "Valuation of Commercial/Investment Real Estate"; "Reading Financial Statements"
"When you choose me as your mortgage consultant, you also choose a financial planner who cares about YOUR financial strength."
Being in Property Management BY ITSELF is a huge chunk to deal with especially at this time of the year. No matter how well the tenants have been screened, it seems to NEVER FAIL that managers report a lag in payments in this season at a rate of 10 to 20% of late or NO collections! From the rents expected to recover, some may not be seen until income tax refunds come in from rapid filing! Tsk The Season!
Typical Rent Delaying Excuses Heard:
- Uh, you UNDERSTAND, It's CHRISTMAS!! - Interpretation: Y'all DON'T deserve to have one!
- Calling to say, we will be late, but we WILL pay the late fee! - Interpretation: We overspent!
- Something came up, but we will catch up next month! - Interpretation: Y'all jes hafta wait hunnie!
- We will be out of town for the Holiday! - Interpretation: We will spend the rent money for our trip!
- We have out-of-town guests! - Interpretation: We gotta spend the rent money to impress them!
- My car is down! - Interpretation: - We will be renting a car for the Holiday with the rent money!
- I was laid off my job! - Interpretation: - We're getting ready to lay up on YOU!
- We have a repair issue! - Interpretation: Use this "smoke screen" so you can overlook the rent!
- Our lease is up next month! - Interpretation: Y'all ain't gonna receive another dime outta us!
- We are expecting a BIG income tax refund! - Interpretation: See ya when it happens!
- I had to help a relative pay their rent, so mine is short! Tsk The Season!
Of course, we deal with it by bracing ourselves to face the owners!! It is NOT always a pleasant task being squeezed on BOTH ends! We have to be experts at cracking the whip on one side, while earnestly pacifying the other! Rectifying this as swiftly as possible is what we strive to achieve! Tsk The Season!
One MUST be anointed and CALLED to handle this grueling task year after year! We, at Rice Property Management & Realty, console ourselves by applying lessons learned and using the right tools to offset these occurrences! With 15 years of experience, keen discernment, and continued training, we KNOW to keep our antennas up during this time. Tsk The Season!
There are plenty of prospective tenants with MUCH respect toward property managers, knowing that in these days and times, having a place to stay is a priority! It's these mature, responsible renters with home owner mentality that we covet after! Tsk Tsk on the others!
There are desperate owners facing this dilemma alone, intimidated, NOT KNOWING how to properly handle this, and have conceded to being victimized! We are saddened whenever we learn of these pleas for help, but are cheered and humbled to hear the accolades of gratitude coming from many we have freed from this burden!
In spite of these "seasonal" challenges, we actually LOVE being in the Property Management field.... And so does our EVICTION ATTORNEY!
HAVE A HAPPY THANKSGIVING EVERYONE!
"Where the RIGHT Price is the RICE Price!"
© Copyright 2010 Rice Property Management, All rights reserved
DISCLAIMER: Rice Property Management & Realty, LLC, servicing the South Suburban Illinois and Northwest Indiana Areas, in Residential & Commercial Real Estate, located at 423 East 158th Street, South Holland, IL 60473, 708-862-7423, disclaims all liability for any damages or losses, directly or indirectly that may result from use of or reliance on information contained in this blog or for accuracy of comments or opinions of visitors to my blogs.
 You strained and stretched your creative innards to thinness... in your drive to produce ideas the public would deem notable to pay for.... Didn't you? Whether a service or product, you are poised to compete with desperate minds of innovators who have emerged as modern day hustlers... all in the name of of survival!!
... And this is just ONE of many strategies you've dreamt up with hopes of seeing a fruitful harvest!
The Calumet City Chamber of Commerce UNDERSTANDS your dilemma and has put together a group effort to assist you in these lean times. If your desire is to cultivate customers from the South Suburban area in Illinois... this BUSINESS EXPO IS FOR YOU! For just a tiny investment, you can enter Calumet City's Chamber of Commerce's FIRST Annual Business EXPO!
$20.00 will get you enrolled, secure a table and table covering to help you PROMOTE YOUR STUFF!! Register up until late Wednesday, October 6th, 2010!!
Tell your neighbors, your relatives, colleagues, friends and enemies! For more information, call the Chamber at: 708-891-5888, or ME at 708-862-7423.
I will be there - Hope to see you too!
Diane Rice, Broker-Owner of Rice Property Management & Realty, LLC is one of the Directors of the Calumet City Chamber of Commerce in Calumet City, IL, and can be reached by phone at 708-862-RICE (7423), and on the web at www.862RICE.com
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Diane Rice, SFR
South Holland,
IL
More about me…
Diane Rice, Rice Prprty Mgmnt & Rlty, LLC, South Holland, IL
Address: 423 East 158th Street, South Holland, IL, 60473
Office Phone: (708) 862-7423
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