Roland's Blog

Be Cautious About Giving Info to Census Workers

Fri, 20 Nov 2009 23:56:55 -0600

How do you identify a U.S. Census worker at your front door ? Larry tells us about advice from the BBB.

Via Larry Bettag - Cherry Creek Mortgage:

With the U.S. Census process beginning, the Better Business Bureau (BBB) advises people to be cautious. The major concern is that individuals don't become a victim of fraud or identity theft.

The first phase of the 2010 U.S. Census is under way as workers have begun verifying the addresses of households across the country. Eventually, more than 140,000 U.S. Census workers will count every person in the United States and will gather information about every person living at each address including name, age, gender, race, and other relevant data.

The big question is - how do you tell the difference between a U.S. Census worker and a con artist? BBB offers the following advice:

** If a U.S. Census worker knocks on your door, they will have a badge, a handheld device, a Census Bureau canvas bag, and a confidentiality notice. Ask to see their identification and their badge before answering their questions. However, you should never invite anyone you don't know into your home.

** Census workers are currently only knocking on doors to verify address information. Do not give your Social Security number, cre dit card or banking information to anyone, even if they claim they need it for the U.S. Census. While the Census Bureau might ask for basic financial information, such as a salary range, the Census Bureau will not ask for Social Security, bank account, or credit card numbers nor will employees solicit donations.

Eventually, Census workers may contact you by telephone, mail, or in person at home. However, the Census Bureau will not contact you by Email, so be on the lookout for Email scams impersonating the Census.

Never click on a link or open any attachments in an Email that are supposedly from the U.S. Census Bureau.

For more advice on avoiding identity theft and fraud, visit http://www.bbb.org/.
Larry Bettag - Regional Vice President, Midwest Region

Illinois FHA Specialist

630-417-7172

An Illinois Residential Mortgage Licensee

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

What Is RainCamp™

Fri, 20 Nov 2009 00:11:55 -0600

So you ask... What is RainCamp ? Active Brad explains below...

Via Brad Andersohn ~ Community Manager (ActiveRain):

What Is Real Estate RainCamp™

Real Estate RainCamp™ is a full day Conference/Seminar that is packed with valuable content, presentations, and some of the most useful and applicable ideas and processes that you can implement immediately into your Social Media, Networking, Blogging Strategy, and Business Plan. RainCamp™ was created and developed for anyone in the Real Estate Industry looking for successful methods and tools to maximize and grow their online business in today's Modern Day Real Estate Market. RainCamp™ is a National Event now touring the Country.

Modern Day Real Estate Marketing

How do you stack up in the modern Real Estate Market

Find out where you rank before we kick off the day. How does your social profile rate against your neighbor? How can you expand that presence and create connections that are meaningful in a professional manner? Understanding where you are is the only way to figure out where you need to go.

Search Engine Marketing

Learn how to target consumers that are MUCH closer to buying than an average Internet lead

Advertising is undergoing a radical transformation. As advertising dollars make an exodus from print to online marketing, do you know how to position your advertising budget to get the most impact out of each dollar? As most of your potential clients go online to make purchase decisions, knowing how to target them in the places they reside will be instrumental in ensuring they do business with you.

Converting Leads Into Closings

"Ten Days of Pain" lead conversion method - allows you to convert Internet leads efficiently

Understand Pay-Per-Click advertising and how you can get leads cheap and effectively. It's one thing to learn how to drive traffic to your site, it's entirely different to actually convert that traffic into a commission. Learn the regiment required to get industry leading conversions with the prospects on your website. There is no reason the leads on your site should be treated like the rest of the industry treats theirs. Resolve to do something different.

Social Media Networking and Marketing

Discover what works and what doesn't work using the New Social Media Movement

Learn how to use Social Media to obtain a competitive edge in your market place. Gain an understanding of sites like FaceBook, Twitter, and others, and how you can incorporate them into your business plan to connect with and earn more clients.

Real World Social Media Success Stories - LOCAL PANEL

Listen to pros that are utilizing what they preach and have outstanding success doing it

Listen to real agents on the street who are using Social media to enhance their business. Let them tell you how they did it. Not every story is the same but the critical component is this: They took the leap and the rewards are well worth the effort.

30 Technologies You Don't Know About But Should

Discover 30 technology tools that can be seamlessly integrated into your business

Does this really need an explanation? Yes it does, so you'll need to come and hear it.

Becoming the Online Mayor of Your Community

Understand what it means to be the "Online Mayor of your Community"

The end game of all real estate social media strategies. Learn how to put yourself at the online center of your real community. This is market area "farming" and done by the cutting edge elite. Take full advantage of the resources available and create a plan to put yourself in the middle of the flow of information in your market.

Hyper-local Blogging for Business and SEO

Learn how to use Hyper-Local Blogging to land you on the first page of GOOGLE

What is Hyper-local? Why does it matter? How does focusing on hyper-local content give you more qualified leads that are ready to act quicker? Find out how to target your next client by providing the information they are looking for when they are really getting close to buying. Learn the methodology of a newer agent who has leveraged the Internet to become a Mega Producer.

RainCamp™ - "Because the way we do Business has changed!"

About The Speakers:

Ben Kinney, Mega Producer, Keller Williams

Featured: 2008 Realtor Magazines annual "30 under 30", RIS Media "Power Team" report, WCAR Realtor of the Year and Quarter

Bob Stewart, Director of Social Media Strategy, ActiveRain

Bob is responsible for growing and maintaining ActiveRain's vibrant community of real estate professionals. He has been actively involved as a member of ActiveRain from inception. Prior to ActiveRain, Bob was COO of Brio Realty and during his tenure he increased sales volume from zero to over $100 million a year.

Brad Andersohn, Community Manager, ActiveRain

Brad is the all around tech and member support services guru. His focus and goal is to make sure members are getting the most out of the network and community. He spends a great deal of time introducing new products, tools, and services with explanations and tutorials on how to best apply them to your business plans and growth strategies.

Special Guest Speakers, to be announced at each local event.

"You'll walk away from RainCamp™ with successfully tested tools and concepts that you can apply and put into action immediately to increase your business!"

Upcoming RainCamps™

San Francisco - New York

Platinum RainCamp™ Sponsor: Market Leader

"RainMaker" Special - Signup Here and Get New Member Discount

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

Lets Say Thanks

Wed, 18 Nov 2009 23:43:21 -0600

Thanks Ron for the tip !

Via Ron Brown FHA & VA Home Loan Specialist (First Mortgage Company of Washington):

I just received an email from one of my past military borrowers who has a loved one in Iraq. I thought it was a fabulous idea worth sharing with all the good folks on Active Rain.

Xerox is sponsoring a Thank You card drive for the men & women of our armed forces stationed overseas this holiday season. It will only take a minute of your time, and will definitely brighten their day. All you have to do is visit the Lets Say Thanks web site, follow the 3 easy steps (give your name, pick a design, and choose a pre worded thank you message, or create your own), and Xerox will print and deliver the card to one of our troops.

It does not matter what your stance is on our politics, or foreign policy, these people are serving our country, and deserve everyone's support. From a completely selfish standpoint, this is a great way to get in front of your database in a positive way. Who knows, you might just get some business out of being a nice person.

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

RainCamp™ is Coming to New York City January 12th, 2010

Wed, 18 Nov 2009 23:02:06 -0600

Who is gonna be in NYC in Jan 2010 ? Bob Stewart will be there, will you join him ?

Via Bob Stewart - ActiveRain (ActiveRain):

ActiveRain will be bringing our third RainCamp™ to the Big Apple on Tuesday, January 12th. We have teamed up with the folks at Inman to kick off Real Estate Connect New York City 2010.

Take advantage of the unique opportunity to not only attend RainCamp™ and learn how to implement proven internet marketing strategies, but also to attend Real Estate Connect where the leaders in real estate and real estate technology come together to map out the future of our industry. Get special group pricing through ActiveRain for a chance to attend both events, RainCamp™ and Real Estate Connect.

"What's RainCamp™ All About?"

Hyper Local Blogging: How focusing on things within your city can get you a better client than focusing on your city

Search Engine Optimization: What are the best practices to get your website (yep, your website can still rank well) to rank well in the search engines. And also what tools can you use to get better results out of your site(s).

Converting Leads into Closings: Ben Kinney, one of our speakers and a Mega producing agent with Keller Williams, will share with you the secrets of how his team converts their internet leads into closings. This presentation is worth the price of admission alone as Ben demonstrates the method his team uses to take full advantage of every lead they generate.

Facebook and Twitter: How can you leverage social networks to expand your sphere of influence. The business applications of these two particular networks are exploding at the same time it's a fine balancing act to mine them in a manner that doesn't alienate your followers. We'll help you understand the nuances.

Social Media Success Stories: We'll have agents from around the country explain how they are using their online presence to impact their bottom line. Does this stuff really work? Yes it does and you'll have access to people that are making it work for them.

30 Technologies You Don't Know about but Should: Our resident techno-geek Brad Andersohn will share with you 30 technologies that you can start using the next day that can help organize and bring efficiency to your online life.

"What's the Big Deal?"

Our first RainCamp™ in Seattle was an amazing success and the 250 people in attendance walked away with practical applications they could put to use the next day in their businesses. Knowing that the internet is here to stay and has a profound impact on how you conduct business, making sure that you have concrete means to take advantage of it's power is paramount to staying ahead of your competition. Raincamp™ is eight hours (we give you a lunch break if you want it) chalk full of education intended to help you take full advantage of the powers of the net. Your understanding of the different facets of internet lead generation, lead management, and lead conversion and how they fit into your business plan will ensure that you have a successful 2010 and beyond.

"Could Real Estate Connect Be As Cool?"

It sure is!! ActiveRain has been able to negotiate a fantastic group rate for our members for the Real Estate Connect Conference at the Marriot Marquis in Time Square as well. Real Estate Connect, for those of you that have never attended (since I don't have to tell those of you that have), is the source to keep you in tune with a rapidly evolving real estate industry. No one knows exactly what direction the market will take in 2010, but if there is one constant in this market, that constant is change. Real Estate Connect brings together over 1300 of your peers to help you assess that change and how it will affect your bottom line. The best and brightest minds in the industry make this annual trek to New York City and converge with one goal in mind, determining how to stay ahead of their competition.

Many ActiveRain members will be sharing as in years past.

Linda Davis (Carnac to her fans)
Spencer Rascoff (Zillow)
Matt Goyer (Redfin)
Paul Chaney (Bizzuka)
Mitch Ribak (the eHomes Realty Network)
Tom Ferry (Super Coach extrodinaire)

and a few more before it's all said and done.

The lineup of presenters and speakers is a cross section of the thought leaders from every facet of the real estate industry. Amazing people with amazing talent and ground breaking ideas. If you've never been to a real estate connect, I implore you to work it into your schedule. You will not be disappointed.

"Bob, Shut your mouth.....It can't get BETTER, can it?"

Yes, it can get better and it does. How many of you would love a custom video for your website, blog, or the signature line of your email, or for just about anywhere you can stick a video? We mean a HIGH quality video done by a professional videographer with TurnHere. The videos can focus on a Local neighborhood or community, you as a Realtor®, or even if you're not a Realtor® there is some cool stuff they can do for you too. The Inman team will be giving one of these videos (a $500 value) to the first 50 people that sign up for Real Estate Connect through ActiveRain.

(this is where the guy on the pharmaceutical commercial comes in and rattles on like an auctioneer so fast you can barely understand what he's saying. Luckily we are in print so they call this the 'fine print': Must register for Real Estate Connect before November 30th 2009 and must shoot the video before December 31st, 2009 in order to be eligible for the free custom video)

"This Must Cost One Million Dollars, Right?"

Yes, you are correct. However, since you are an ActiveRain member you are going to receive a $999,331 discount. In fact, when you sign up for Real Estate Connect, you will get access to RainCamp™ as part of your Registration for the Real Estate Connect Conference all for $669.00. This offer will be good until December 15th. (Of course, you'd be crazy to wait that long because you want to be one of the first 50 to jump on this deal so you get the free custom video from TurnHere.)

If you can't make it for the Real Estate Connect Conference and would like to join us for RainCamp™ only, you can register here for $109.00

Do you care what I'm doing and thinking? (I can not for the life of me imagine why) If you do, you can find me on some of these places........but remember, if you are offended by anything you see or hear, I didn't force you to follow me!!:

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

Vote for Thea Agnew in the 2009 Operation Rising Star

Tue, 17 Nov 2009 11:23:15 -0600

If you have not heard, Thea Agnew is competing in the 2009 Operation Rising Star and she needs your help. Please vote for Thea Agnew in the 2009 Operation Rising Star today ! (November 17, 2009)

OK... You ask, what is Operation Rising Star ?

This is a US Army MWR contest like American Idle where the contestants are either in the military or a military spouce. Thea Agnew according to the Operation Rising Star website has moved to the final 6 and the online VOTE is a vital part in her making it to the final 3 in tonights performance. According to the Operation Rising Star Website, YOU can vote as often as you like during the selected voting times listed below. Please take the time to help Thea Agnew make it to the TOP 3 and beyond. Have everyone you know take the time to visit the link below and VOTE for Thea Agnew who is representing Ft. Campbell, Kentucky in the competition.

The voting is open for 2 hours today starting at 1:00 PM CST and again at 8:30 PM CST.

Please click this linke and VOTE for Thea Agnew

The Operation Rising Staris taking place at the Wallace Theater, Fort Belvoir Virginia and can be seen on the Pentagon Channel broadcast.

Calling all Active Rain Members... Thea Agnew is a Active Rain Member and would appreciate all our support !

Please click this linke and VOTE for Thea Agnew

Once you have Voted:

Please comment below to show Thea your support

This girl can sing ! The judges gave her great reviews after her last performance. I was happy to see on the website that Thea was selected for round 2 tonight.

Meet the Judges and Celebrity Guests

UPDATE: November 19,2009 - Finals / Top 3

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

You Think Your House is Worth WHAT?? Pricing Your Home to Sell

Mon, 16 Nov 2009 20:21:12 -0600

Thanks Liz.. this is a great question.....

You Think Your House is Worth WHAT? Pricing Your Home to Sell

For information on pricing your home in the Clarksville - Oak Grove area, please give me a call.

Via Liz Moras ~Chilliwack Realtor, Chilliwack,Hope,Langley,Abbotsford (Harrison Hot Springs, Cultus Lake):

You Think Your House is Worth WHAT? Pricing Your Home to Sell

O.k., so you've looked on the Internet, you've checked the Real Estate Weekly - and you've talked to your Neighbors. You're pretty sure you know what you WANT your home to be worth. Next step? You call the Realtors in.

Everyone says you should interview 3 Realtors - so that's what you do! And sceptically you await their Verdicts! Does the highest Bid (because that's what it often is) win your Vote? Well it shouldn't and let me tell you why.





                                                  BUT Your neighbor's house just sold for XXXXX!

First of all, Realtors have access to the same information Online. By doing a CMA (Comparative Market Analysis) they should be able to come very close to the Range of Your Home's Value. They will see which homes are currently Listed, those that will be in direct competition with Your Home; they will see which comparable homes have Sold recently; and they will ALSO see which homes have 'Expired'....(Listed But Not Sold). That's the Starting Point!

If you use a Local Realtor - which is what I Recommend- they'll also be able to take into consideration different factors about your neighborhood - like development, schools, safety, proximity to transport etc.

                                                            BUT Your House has been upgraded!



Now where no 2 homes are exactly alike - chances are we've seen most of the homes for sale in your area and have an inside view that you may not have seen. Even online photos won't give you a complete view of how these homes compare.

In many ways - it's the Buyer that ultimately determines the value of your home. A house is worth what somebody will pay for it. It's important to try and anticipate what MOST buyers will pay for it. If the price is too high - you may just end up remaining THAT Buyer! If your home should by some chance sell for more then the estimated value, remember the home still needs to be Appraised for the Buyer's Bank, and if it's overpriced it just may not!

                                      BUT That's What INEEEEEEEED to Get for My Home!

There is the odd time that a home is unusual and there are not direct comparables, sometimes this requires a trial and error strategy where we have to gage potential buyer responses in order to fine tune the price.

Another factor is the current 'Real Estate market'. Is it a Buyer's market or a Seller's market - or is it balanced? What kind of standing inventory is in the market in your price range. These will all factor in to your pricing.

The value of a home can also be estimated in part by using the price per square foot calculation. But you do have to use a sliding scale of adjustment. The 'core' of the home is worth more then the peripheral square footage. ie. the price per sq. foot for a 1000 sq. foot rancher will be higher then that of a 3000 sq. ft. basement home.

Should you start higher - after all - you can always come down??? No! If you do that you should be charging your competitor a fee for helping them sell THEIR home!

Remember the most critical time for selling your home is in the first 30 days. Longer then that you can bet your bottom dollar, (and unfortunately that's probably what it will end up being) that the Buyer will be paying attention to your 'days on market' when making both their buying decision and price point!

How do you know if your house is priced right? Feedback! Your Realtor will be calling to get feedback on showings from both the Buyer and their Realtor.  If you've had over 6 showings and have been on the market for 3 or so weeks that should give you some idea of what the market thinks. Unusual or high end homes could be the exception here though.

Sometimes the most important factor is YOUR motivation. How motivated are you to sell?   I know a lot of Seller's like to tell us that 'they don't HAVE to sell'.......and in most cases that's true - you don't! But if you do want to sell your home call a Realtor that knows your market and will be honest with you - because that's what a professional does - they Help you Price Your Home to Sell!







If you or someone you know is thinking of Buying or Selling property in Cultus Lake, Chilliwack, Hope, Abbotsford, Langley or anywhere in the Fraser Valley Area of B.C. - or if you would like more information please give Liz  Moras of Landmark Realty Chilliwack a call at- 604-799-0459 or e-mail at lizmoras@gmail.com.

Copyright © 2009 By Liz Moras, All Rights Reserved. All photos by Liz Moras ( except the one's I'm in!). All information provided by this author is only an opinion, it is not guaranteed, may be based on information collected from several sources, and may be time sensitive. It is not necessarily representative of the opinions of Landmark Realty Chwk. Ltd..

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

Party Lite Event in Clarksville, TN

Sat, 14 Nov 2009 11:53:33 -0600

It's almost Christmas and Terri Woodworth is hosting a Party Lite Event in Clarksville, TN. This is a great opportunity to order Christmas gifts. If you are not able to attend, you can still order online.

Party Lite Event

EXiT Realty Clarksville

1289 Northfield Dr. Ste 3

Clarksville, TN 37040

Saturday November 21, 2009

Starts at 2:00 PM - Upstairs training room

Terri Armesto Woodworth says: Start your Christmas shopping now. Join us For the Party Lite Event at Exit Realty Clarksville on Saturday November 21, 2009 @ 2 PM

Please plan to attend and invite your firends too

See you there !

Terri Woodworth 931-320-9511

Please RSVP to attend HERE

~OR~ Order online at:

www.partylite.biz/carolinesdream ~ Host: Terri Woodworth

If you go under shop and enter Terri Woodworth it should take you to my show and allow you to place orders.

Happy shopping!!!!"

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

Is It Wrong to Work With More Then One Realtor?

Fri, 13 Nov 2009 00:18:04 -0600

Buyers... how many Realtors have you contacted to view homes ? Liz tells us why you should work with only one Realtor.

Via Liz Moras ~Chilliwack Realtor, Chilliwack,Hope,Langley,Abbotsford (Harrison Hot Springs, Cultus Lake):

Is It Wrong to Work With More Then One Realtor?

Home buyer: " Is it wrong to work with more then one Realtor at the same time? I'm trying to follow proper home-buying etiquette. My friends tell me it's O.k. as long as I keep track of which Realtor showed which property. That way, if you end up purchasing, the correct Realtor is compensated. I've not signed any exclusive contracts with any Realtor.

Is it OK as long as I make sure both Realtors realize I'm working with another agent as well? Some people have told me that Realtors know customers might be working with others, and it's not a big deal."


Isn't that a good question? As a Realtor, I definitely have a 'biased' perpective and answer to that question. But since the question involves 'working with a Realtor' - who better to answer it? :)

1.)Yes - if you're working with Realtor's in two different Cities - where each has their own area of expertise! Go ahead and Use 2 Different Realtors! As a matter of fact your local Realtor can probably refer you to a Realtor in the city you're moving to.

2.)If you are Selling Your Home and Buying again - it is possible to work with a Listing Agent to sell your home and a Buyer's Agent in the purchase of your new home. Often these 2 Realtors can even be a part of a team where they tag-team each other.

More importantly however, is the Buyer asking about this from a legal or moral/ethical perspective?

First of all I want to say that Real Estate Associations in each Province and State have their own rules. There used to be 'threshold' rights in British Columbia. This is where the Realtor who introduces you to the house - is the Realtor who gets the commission. However it's not so cut and dried anymore.

If you signed a Buyer's Agency Agreement - then you are under 'contract' to work with that and only that Realtor. If for some reason you choose not to - then your new Realtor may very well end up getting paid by YOU or not at all! And YOU will be breaching a contract to work with another agent. This can get ugly ... and no one wants "ugly" ...

However if you have No Contract - Let me Tell you You some Reasons Why it is NOT a good idea to work with more then One Realtor!

Home Buyers often call on signs and advertisements and talk with MANY real estate agents until they find a home that they want to buy ... and then just work with the listing agent to buy the home. Sometimes this is not a good idea, as the home buyer may not get the best deal if the listing agent is looking out for the best interest of the seller ... not the buyer.

Or the Buyer may work with several different Buyer Agents to see who will find them the best deal. This is ALSO not a very good idea for a couple reasons ...



1. First of all all Agents have the same access to the same homes for sale via the local MLS. They all have the potential of finding the "best deal".

However Agents only get paid when they successfully find a home for a home buyer ... and it closes. All the up front work of finding the home is done without pay and in good faith that the home buyer that they are working with is using them to represent them. If a home buyer is not disclosing that they are potentially working with other agents, then the Buyer Agent does not have the ability to fairly weigh out the situation and determine whether or not they want to work with that home buyer.

There Are some exceptions though:

If a home buyer wants to work with more than one agent (for whatever reason), the right thing to do is to NOT sign a Buyer Agency Agreement and to notify each agent of this decision.

If a home buyer is considering buying different types of property or different areas, they may consider hiring an "expert" for each area.

If you're still not sure and don't know if you will like being 'married' to just one agent - Consider signing a week long Buyer Agency agreement - If after that week, the agent is not a good fit, then the home buyer can move on and find a new agent. Win Win right?

Finding ONE agent to work with is generally going to be your best bet.





If you or someone you know is thinking of Buying or Selling property in Cultus Lake, Chilliwack, Hope, Abbotsford, Langley or anywhere in the Fraser Valley Area of B.C. - or if you would like more information please give Liz  Moras of Landmark Realty Chilliwack a call at- 604-799-0459 or e-mail at lizmoras@gmail.com.

Copyright © 2009 By Liz Moras, All Rights Reserved. All photos by Liz Moras ( except the one's I'm in!). All information provided by this author is only an opinion, it is not guaranteed, may be based on information collected from several sources, and may be time sensitive. It is not necessarily representative of the opinions of Landmark Realty Chwk. Ltd..

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

Can a Lender Be Forced to Modify a Mortgage?

Thu, 12 Nov 2009 23:40:00 -0600

Paul ask the question... Can a Lender be forced to modify a mortgage ? This is coing to be interesting to see the outcome of this court case.

Via Paul Warkow-loan officer-Nationwide Equities Corp.:

4 home owners are suing Aurora Loan Services because they refused to participate in the government sponsored mortgage assistance program (HAMP). The outcome of this lawsuit has far reaching implications. If the plaintiffs are successful, the courts are saying that a party can be forced to alter the terms of a contract, in this case a mortgage. If this should happen, banks will be extremely reluctant to lend money because at a nay time they could be forced to renegotiate the terms of the mortgage. This will mean fewer loans and higher interest rates.

It is one thing for a lender to come to the conclusion that it is in their best interest to agree to a loan modification or a short sale. Even if it is obvious that a lender should agree to a loan modification or a short sale, it is wrong and short sighted to force them to do so. In the end this kind of thinking will make matters worse, not better. There are government programs that give lenders incentives to agree to a loan modification or a short sale. However, in the end, it is still the lender’s decision.

The only regulations I would put in place is that if the lender chooses to modify a loan or agree to a short sale, there should be time limits and standards in place. It is wrong for a lender to string a borrower along. The lender have the option to participate or not, but if the decision is made to modify or allow a short sale, get it done quickly or reject it quickly. This lawsuit will take that decision away. It would interfere with the sanctity of the contract. I hope the plaintiffs are not successful.

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

Short Sale Buyers Agents Know They Are in Trouble When.....

Thu, 12 Nov 2009 23:33:38 -0600

So your buyer is purchasing a short sale home. Chris Ann tells us about when buyers agents know they are in trouble..... Read more below

Via Chris Ann Cleland, GRI (Long & Foster, Gainesville, VA):

Short Sale buyers agents know they are in trouble when the short sale listing agent calls with this one:

"The second trust is demanding that there be no closing cost assistance to the buyers and that the commissions be lowered."

This was a gem that a co-worker of mine brought to me, looking for advice for her buyers. Evidently, the listing agent of her buyers' transaction is leaning on her and her buyers to take care of the second trust's demands. Of course, being an experienced short sale listing agent myself, I can cut right through the bull here and see the problem is one of two things:

1) The listing agent has no clue what he's doing. If he did, he would never even bring this to the buyer's agent as a serious concern. You see, an experienced short sale listing agent knows that the second trust doesn't have any say over anything that is paid out by the first trust, which closing cost assistance and commissions are. The second is powerless.

What the second trust will sometimes attempt to do is to wrangle costs down for the first, in hope that they (the second) will get more money. Any additional money generally goes to the first if there is still a shortfall. So an experienced short sale listing agent will call the second's bluff and move on to the real issue: How much money does the second want?

OR

2) The seller has been asked to repay funds to the second, either at closing, or in the form of a promissory note. The listing agent could be trying to cut costs in an effort to get more money to the second.

Again, an experienced short sale agent will know that any additional money found will generally go to the first.

Did I mention the listing in question has been on the market since December 2008? And the buyers in question have only been under contract since September 2009. Previous contracts fell through.

I made a suggestion, "Ask for a copy of the approval letter from the second with these demands." My co-worker already had, and since the listing agent refused to do so, as it would be a violation of his client's privacy, I believe we can safely assume that we are looking at scenario two. (This job is so much like playing poker.)

I suggested she get her buyers back into her car and find another house. There are two very important things that her buyers need to infer from scenario 2.

The first is that if the seller is being asked to repay money, and the listing agent's suggestion is for the money to come out of everyone else's pocket, his seller is likely hiding money somewhere or insolvent. (Though lien holder's generally do not ask for money from someone who is legitimately insolvent.) These types of sellers rarely get the outcome they want from a short sale since their lien holders will track down those reserve funds and ask for some as repayment.

Secondly, the definition of short sale approval in the Northern Virginia Regional Sales Contract will technically not be met if the seller has been asked to repay any money, or make a cash contribution. This means the seller can walk the day of settlement and the buyers have no recourse.

For an experienced short sale listing agent, the writing is on the wall with this scenario. Any way you look at it, this is a bad situation for a buyer to continue to be in. They may want the house, but the chances of getting the house are slim.
Chris Ann Cleland, Realtor- Licensed in Virginia, GRI & Short Sale Specialist. Affiliated with Long & Foster, 7526 Limestone Drive, Gainesville, VA 20155. To contact Chris Ann, call 703-402-0037 or email chrisann@LNF.com.

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

Short Sale Buyers Agents Know They Are in Trouble When.....

Thu, 12 Nov 2009 23:33:01 -0600

So your buyer is purchasing a short sale home. Chris Ann tells us about when buyers agents know they are in trouble..... Read more below

Via Chris Ann Cleland, GRI (Long & Foster, Gainesville, VA):

Short Sale buyers agents know they are in trouble when the short sale listing agent calls with this one:

"The second trust is demanding that there be no closing cost assistance to the buyers and that the commissions be lowered."

This was a gem that a co-worker of mine brought to me, looking for advice for her buyers. Evidently, the listing agent of her buyers' transaction is leaning on her and her buyers to take care of the second trust's demands. Of course, being an experienced short sale listing agent myself, I can cut right through the bull here and see the problem is one of two things:

1) The listing agent has no clue what he's doing. If he did, he would never even bring this to the buyer's agent as a serious concern. You see, an experienced short sale listing agent knows that the second trust doesn't have any say over anything that is paid out by the first trust, which closing cost assistance and commissions are. The second is powerless.

What the second trust will sometimes attempt to do is to wrangle costs down for the first, in hope that they (the second) will get more money. Any additional money generally goes to the first if there is still a shortfall. So an experienced short sale listing agent will call the second's bluff and move on to the real issue: How much money does the second want?

OR

2) The seller has been asked to repay funds to the second, either at closing, or in the form of a promissory note. The listing agent could be trying to cut costs in an effort to get more money to the second.

Again, an experienced short sale agent will know that any additional money found will generally go to the first.

Did I mention the listing in question has been on the market since December 2008? And the buyers in question have only been under contract since September 2009. Previous contracts fell through.

I made a suggestion, "Ask for a copy of the approval letter from the second with these demands." My co-worker already had, and since the listing agent refused to do so, as it would be a violation of his client's privacy, I believe we can safely assume that we are looking at scenario two. (This job is so much like playing poker.)

I suggested she get her buyers back into her car and find another house. There are two very important things that her buyers need to infer from scenario 2.

The first is that if the seller is being asked to repay money, and the listing agent's suggestion is for the money to come out of everyone else's pocket, his seller is likely hiding money somewhere or insolvent. (Though lien holder's generally do not ask for money from someone who is legitimately insolvent.) These types of sellers rarely get the outcome they want from a short sale since their lien holders will track down those reserve funds and ask for some as repayment.

Secondly, the definition of short sale approval in the Northern Virginia Regional Sales Contract will technically not be met if the seller has been asked to repay any money, or make a cash contribution. This means the seller can walk the day of settlement and the buyers have no recourse.

For an experienced short sale listing agent, the writing is on the wall with this scenario. Any way you look at it, this is a bad situation for a buyer to continue to be in. They may want the house, but the chances of getting the house are slim.
Chris Ann Cleland, Realtor- Licensed in Virginia, GRI & Short Sale Specialist. Affiliated with Long & Foster, 7526 Limestone Drive, Gainesville, VA 20155. To contact Chris Ann, call 703-402-0037 or email chrisann@LNF.com.

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

Short Sale Buyers Agents Know They Are in Trouble When.....

Thu, 12 Nov 2009 23:32:53 -0600

So your buyer is purchasing a short sale home. Chris Ann tells us about when buyers agents know they are in trouble..... Read more below

Via Chris Ann Cleland, GRI (Long & Foster, Gainesville, VA):

Short Sale buyers agents know they are in trouble when the short sale listing agent calls with this one:

"The second trust is demanding that there be no closing cost assistance to the buyers and that the commissions be lowered."

This was a gem that a co-worker of mine brought to me, looking for advice for her buyers. Evidently, the listing agent of her buyers' transaction is leaning on her and her buyers to take care of the second trust's demands. Of course, being an experienced short sale listing agent myself, I can cut right through the bull here and see the problem is one of two things:

1) The listing agent has no clue what he's doing. If he did, he would never even bring this to the buyer's agent as a serious concern. You see, an experienced short sale listing agent knows that the second trust doesn't have any say over anything that is paid out by the first trust, which closing cost assistance and commissions are. The second is powerless.

What the second trust will sometimes attempt to do is to wrangle costs down for the first, in hope that they (the second) will get more money. Any additional money generally goes to the first if there is still a shortfall. So an experienced short sale listing agent will call the second's bluff and move on to the real issue: How much money does the second want?

OR

2) The seller has been asked to repay funds to the second, either at closing, or in the form of a promissory note. The listing agent could be trying to cut costs in an effort to get more money to the second.

Again, an experienced short sale agent will know that any additional money found will generally go to the first.

Did I mention the listing in question has been on the market since December 2008? And the buyers in question have only been under contract since September 2009. Previous contracts fell through.

I made a suggestion, "Ask for a copy of the approval letter from the second with these demands." My co-worker already had, and since the listing agent refused to do so, as it would be a violation of his client's privacy, I believe we can safely assume that we are looking at scenario two. (This job is so much like playing poker.)

I suggested she get her buyers back into her car and find another house. There are two very important things that her buyers need to infer from scenario 2.

The first is that if the seller is being asked to repay money, and the listing agent's suggestion is for the money to come out of everyone else's pocket, his seller is likely hiding money somewhere or insolvent. (Though lien holder's generally do not ask for money from someone who is legitimately insolvent.) These types of sellers rarely get the outcome they want from a short sale since their lien holders will track down those reserve funds and ask for some as repayment.

Secondly, the definition of short sale approval in the Northern Virginia Regional Sales Contract will technically not be met if the seller has been asked to repay any money, or make a cash contribution. This means the seller can walk the day of settlement and the buyers have no recourse.

For an experienced short sale listing agent, the writing is on the wall with this scenario. Any way you look at it, this is a bad situation for a buyer to continue to be in. They may want the house, but the chances of getting the house are slim.
Chris Ann Cleland, Realtor- Licensed in Virginia, GRI & Short Sale Specialist. Affiliated with Long & Foster, 7526 Limestone Drive, Gainesville, VA 20155. To contact Chris Ann, call 703-402-0037 or email chrisann@LNF.com.

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

SATISFIED WITH "LETTING THINGS HAPPEN"? . . . BEING SATISFIED MEANS BEING LEFT BEHIND.

Wed, 11 Nov 2009 23:55:53 -0600

Are you going to be left behind ? To find out, see what Lenn Harley has to say below. You don't want to miss what she has to say.

Via Lenn Harley, Homefinders.com, MD & VA Homes and Real Estate:

JUST BE SATISFIED??

I read a blog post this a.m. written by a thoughtful ActiveRain member that sent a mixed message to me.

Adrienne Deans relates her experiences with leaving one brokerage for another in her question to grow her business and reach a higher level of achievement. Sadly, her former broker's message to her was that she should "be satisfied" with her present position and that she should simply "let things happen naturally".

Sorry to disappoint, but, in the real estate business, things don't "happen naturally".

HAVE A PLAN AND FOLLOW IT. Things are made to happen by real estate practitioners who have a plan, follow it and change their plan to adjust to changing markets. Never, in all my years in this business have I seen a real estate licensee succeed or even survive, by simply letting things happen naturally.

FOLKS ARE USUALLY LEADERS OR FOLLOWERS. I don't believe that people change that much. Unless you have actually lowered your income goals, you'll find that you'll need to work and perhaps even change direction from time to time to continue to achieve goals that we set for ourselves. Real estate practitioners who can change direction, understand and capitalize on market trends will usually find continued success.

FOLLOWERS, however, by waiting for business to come along, ignoring market trends and waiting for things to happen could soon find themselves our of resources and out of business.

As for your old broker, most employing brokers prefer agents who are "satisfied" with just enough to pay the broker a nice split, but not sufficient for the agent to want to move to a higher level and reduce the broker's split. The large real estate companies continue to dominate market share and volume but agents who remain"satisfied" waiting for thing to happen naturally will see their fellow agents' listing and selling volume continue to grow while their own does not.

THE LITTLE KNOWN REAL ESTATE BROKER "SECRET".   Large brokerages thrive on two things;

(1) market share, and

(2) broker/agent commission splits

MARKET SHARE. Ever wonder why the heavy listing agents get the best offices, clerical assistance, advertising help, open house volunteers and invitations to the "top producers" breakfast meetings?? Even in a slow market where those listing are not selling, the top listing agent get the broker respect and support. It's the market share of listing that they bring to the broker. If there are 25 For Sale signs in a popular community and 10 of them are from one real estate company, that company will dominate the market for:

LIST TO LIVE? Well of course. Few new agents have not heard the advise of real estate school instructors say, "You can be at the beach and still sell homes." Listing agents can easily carry 10-20 listings, service them well and they will be paid no matter who brings the buyer. Buyers' agents, on the other hand, because of the nature and time constraints of acquiring buyer clients, showings, previewing, touring and managing offers/contracts are limited in the number of actual sales (income). The buyer's agent can only receive a commission for the buyer's side of the commission. The listing agent/broker has the potential to receive both "sides".

Why listing agents lead the market.

Listings - The old maxim "list to live" is still taught in real estate school, CE and employing brokers.

Signs - If one broker's For Sale signs dominate, owners will contact that company to list their home.

Showings - Every prospective buyer who visits a listing is a potential customer or client to list or buy.

Advertising - Advertisements in a magazine, web site, blog, newspaper or sign can lead to a sale.

Sales - Without sales, the agent won't survive and neither will be broker.

Commissions - For every listing generated by an agent, the broker has the potential of two "sides".

LETTING THINGS HAPPEN NATURALLY? I fear that would be a recipe for failure. Listings rarely come naturally.

No listings means no signs with your name and phone number.

No showings means no sales.

No advertising limits the potential to sell.

No sales, no commission.

No commission, no income.

BROKER/AGENT COMMISSION SPLITS means that the "satisfied" agent will continue to have a lesser commission split with their broker. Brokers recruit new agents who may only sell 2-3 homes a year and remain at a low commission split. Every wonder why brokers continue to hold the license of agents who may close only 2-3 sales a year? Those "satisfied" agents are, to the brokerage, money in the bank. Agents who "let things happen naturally" will not usually climb the broker/agent split ladder.

SUCCESS THROUGH VOLUME. How do Buyer's Agents who do not take listings survive and thrive? By becoming a broker and receiving a commission split from every commission earned by buyer's agents with the company.

Letting things happen naturally just might mean having to get a job. Real estate commission checks just don't happen naturally. They are rewards for a good job done. You can't just put in time and collect a pay check in the real estate business.

Courtesy, Lenn Harley, Broker, Homefinders.com, 800-711-7988.

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

Are You Coming To NAR This Weekend?

Wed, 11 Nov 2009 23:33:25 -0600

Brad Andersohn has asked the question......

Via Brad Andersohn ~ Community Manager (ActiveRain):

If you're coming to NAR in San Diego, I hope you'll stop by and see us. Traditionally in the past, ActiveRain hasn't had a booth on display where we've shared our goods and promoted the Network. This year will be no different, except we will have our own small section of Real Estate at the convention. Sound confusing?

Good, then you'll read on.....

Our friends over at MarketLeader have graciously offered to share their "Large Acreage" lounge with us, and I get to come be the AR mascot for two whole days. Jon and Bob are finally letting me out! lol~ I'll have my laptop with me, so If you don't come by and see me, and I see you, it's likely that I'll be offended and remove points from your ActiveRain account. (just kidding..lol) Seriously, stop by and see us. It will be an informal, comfortable lounge type setting, where you can relax, rest your weary feet, and just chill with us.

We'll be giving away some really cool stuff, answering some questions if you have to ask them, but mostly we'll be there to support NAR and all the wonderful members that we're hoping to see this weekend. We are also going to be doing a joint drawing: Two RainCamp tickets and a $100 American Express card giveaway for some lucky winner to enjoy dinner during a RainCamp event of their choice during the 2010 tour. We'll be there all day Saturday and Sunday. The drawing will occur on Sunday at the end of the show.

MarketLeader will be giving away a 10 day cruise, so you might want to stop by and see what that's all about too? I'm Looking forward to getting out of the office for a couple days, learning a few new things, mingling with some old and new friends, and most of all, creating some great memories in Sunny Southern California. (it will be sunny right?)

So just drop by, say hi, leave us your card, chat for a bit, and we'll do the rest! If you want access to the entire NAR event on your cell phone, you can download the "NAR 2009" app on to your cell phone here How cool is that?

Until then, travel safe, and "Be All You Can Be" you can and DO make a difference in the world! :-)

Our Lounge Booth is #2425 on the main aisle

"RainMaker" Special - Signup Here and Get New Member Discount

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

ActiveRain Statistics - Comments, Views, and Clicks

Mon, 09 Nov 2009 16:18:53 -0600

What is the difference between Views and Clicks on your blog ? Want to know more, Brad gives us all the details below:

Via Brad Andersohn ~ Community Manager (ActiveRain):

ActiveRain Statistics - Comments, Views, and Clicks:
Your ActiveRain Statistics page shows an overview of ALL your Blog posts and the activity they are getting. This is a great tool to gage what is happening with each of your Blog posts in real-time.

The first column is the Title and Link to your Blog posts, there's no definition or description needed here.

The Second column is comments. Many members and consumers may be reading your posts but not commenting. Those that do comment are accounted for and shown as a total on your stats page. Don't think for one second that just because you're not getting mega comments that people aren't reading your posts. Out of the more than 1.3 plus million posts on AR, there's not a single post here has not been seen, read, or at least viewed, or clicked by somebody.

The third column is views. This shows how many times your post was viewed in a Blogroll. This includes any Blogroll on ActiveRain. A Blogroll is any place on ActiveRain where a list (called Blogroll) of posts are shown. Click on the "Blogs" link at the top of any AR page to see a sample of a Blogroll. A Blogroll includes groups, subscriptions, and even the feature board. A view simply means that your post appeared on someones computer screen as they were scrolling through the list and looking for a title to click on and read.

The fourth column is Clicks. This is when someone actually clicks on the title of your post, and loads it as the solo post on their computer screen to read. Clicks are accumulated not only within ActiveRain, but outside of the network too. Many clicks on your stats page are coming from Google searches and direct hits by consumers. The longer your post is out there, the more all of these numbers will increase.

Your comments will always be less than your clicks, and your clicks will always be less than your views. I'll explain. When a post first gets written, it shows up in the Blogrolls of all the groups you've added it to. It also shows on the Main Blogroll, and the "Subscribed" Blogroll meaning those who subscribe to you will see your new post on their "Subscribers" Blogroll. With the hundreds of posts that go up daily, in a very short time, your blog posts will roll off the end of the Blogrolls and into the B.P.C.A. (Blog Post Cyber Archives), only to be found again by someone searching through your Blog, or Google for your specific content.

Focus on "Building Your Blog Library" with quality content. You can always go back and send folks links to your posts. This will create more views, clicks, and comments in the future, and this activity can and will continue for as long as your posts shall live. In the chart below, I wanted to demonstrate how over time, the views and clicks will increase. This is a 30 day graph from oldest to most recent post.

How important is your Blog Post Title? Look at the differentiation between "views" and "clicks" to determine that.

The most important thing to remember. Any Clicks you get on your post after the first couple weeks or so are most likely coming from consumer searches and others that are searching your Blog. Comments, Views, and Clicks stats are a really great way to determine what your readers are liking, what consumers are finding, and what other members like to comment on.

This tool is not meant to be a replacement for a good stats widget or stats tracker, but it is an excellent way to start viewing what's going on with your Blog posts and content now. It will also help and assist you with creating more of "what's working" content in the future. Now don't just view it, you clicked it, so comment. lol~ Have a great week, I hope to see you all at NAR! :-))

Related Post~
How To Track and Monitor Blog Statistics and Traffic

"RainMaker" Special - Signup Here and Get New Member Discount

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

Here Come The Blog Cops! December 1 FTC Changes

Mon, 09 Nov 2009 16:08:54 -0600

is your Blog or online media in compliance ? Ken tells us about the FTC 16 CFR Part 255 below:

Via Ken Cook, FHA Home Loans 678-439-8683:

December 1st, The FTC, Testimonials and your Blog/New Media

December 1, 2009 is the date your blog and all new media advertising meets new enforcement and scrutiny. Meet the Federal Trade Commission 16 CFR Part 255 "Guides Concerning the Use of Endorsements and Testimonials in Advertising". Much of the "guide" applies to celebrity endorsements and the use of "disclaimers" such as those which say "results not typical".

The word "endorsement" is used 188 times in 16 CFR 255 and the word "testimonial" is used 92 times. Where the real danger comes in, of course, is if someone complains to the FTC about something they read on your blog, Facebook, Posterous or any other New Media outlet. You and I, reader, both know there are "testimonials" even here on AR which are not even from real customers or are using real customer's names but they have no idea those testimonials exist. That is the focus of 16 CFR 255 in addition to endorsements and testimonials on late night television.

It has been noted that it is difficult to determine how much deception actually occurs from false testimonials and I am sure it would be very difficult and costly to prove a violation of FTC regulations on a small basis for individual blogs. The best way to avoid violations is to solicit testimonials from your clients that you can keep on file or to use a third party company like iKarma for example.

Thanks to Jeff Link for pointing out the more English short segment FTC REVISED Guides Concerning the Use of Endorsements and Testimonials in Advertising.

Ken Cook - Georgia - FHA, USDA, VA and Conventional Home Loans (678) 439-8683

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

What You Oughta Know About Blog Commenting

Sat, 07 Nov 2009 23:07:30 -0600

Lisa make a great point here.. Will you try this ?

Via Lisa Udy Realtor Utah Real Estate Specialist (Logan Utah Real Estate Immaculate Homes):

Much has been said about blog commenting here on ActiveRain, but what about blog commenting out in the real world? I'm talking about commenting on blogs that are not on the ActiveRain platform. Do you comment on other blogs within your niche? Do you try to grab the attention of the big boys? Why would you want to? How can commenting on other blogs help you?

Commenting on high profile blogs outside of A|R can have a huge impact on your publicity, your search engine results, and your overall popularity within the blogging world. Okay, so you won't get any A|R "points" for commenting outside of A|R, but there is a much larger benefit to be had.

Benefits Of Blog Commenting

Grab The Attention Of The Blogs Readers

Grab The Attention Of The Blogger

Increase Your Brand Awareness

Create More Back Links

Yes, blog commenting can do all those things, and much much more, however, there is a catch. You actually have to be a real life genuine human being when your commenting. None of this sissy, "great post thanks for sharing", stuff. You have to add value to the readers of the blog, and you have to add value to the blogger themselves. "Add Value" is the key.

GRAB THE ATTENTION OF THE BLOGS READERS

There are people out there that have never heard of you, never heard of ActiveRain, and surely don't know that you are a fantastic blogger. You have to show them that what you have to offer is something they might be interested in. Besides, they are already commenting on blogs and reading information in your niche, all you have to do is prove that you're worth their time.

How can I grab their attention?

It works much the same outside of ActiveRain as it does here. When commenting on most blogs, you get to add a link to your website or blog, which people will click on if you add value to a conversation. Here's an example:

Go to Google and search for your niche, and add blogs to the search like this:

As you can see by just doing a general real estate blog search, I have over 100 million choices to choose from. Now, click on a few blogs, and check out how they do their blog commenting. Make sure that when you comment you are able to leave a link back to your blog/website. It should look something like this:

The box that says website is where you want to enter your web address to your blog/website. That's all there is to it. Find blogs, leave comments, add value to the conversation, leave a link back to your blog/website, and use your analytics (click that link to learn how to install analytics on your blog) to watch the new traffic come in.

GRAB THE ATTENTION OF THE BLOGGER

When people comment on your blog, how does it make you feel? I can bet it makes you fell warm and fuzzy right? I'm talking about those people that leave a comment that makes you click on the link to their profile, add them as an associate, and go find their blog to leave them a comment. Those comments are the comments that get blog writers attention, and in a big way.

I found a blog called New Homes Blog. I started commenting on the blog, and I really enjoy reading what the writer had to say. So, I left some pretty meaty comments, and he emailed me. He asked me to be a guest blogger for his Utah section. A guest blogger! That means that he lets me write blogs on his blog, and leave a link back to my websites for Google juice. I got his attention by commenting with some great comments to add value to his blog.

The more you put in the more you will get. Start building a relationship with the blogger, and soon enough they just might start talking about you in their own blogs.

INCREASE YOUR BRAND AWARENESS

The more and more you start to show up on blogs in your niche, the more and more your brand is going to get recognized. By commenting on blogs all over th web,you're going to increase your online visibility.

The more you show up, the more people will be curious as to who you are, which will make people more likely to click on your link to learn more about you. Human curiosity!

Think about it. Who are the most popular people you know of on ActiveRain?

I bet you it's the top commenter's such as, TLW, Lenn Harley, Jason Crouch, Todd Clark, Broker Bryant, Loreena Yeo, C-Tann Star, Bill Gassett, Jeff Dowler, Missy Caulk, Rich Jacobson, Patricia Kennedy just to name a few, or the people who comment on your blog everyday.

These people comment a lot and for good reason, they are creating brand awareness. The more you see them, the more you want to know who they are, and that gives you a click through to your blog/website.

How many comments have you made today?

CREATE MORE BACK LINKS

(If you don't know what a do-follow and no-follow link are, before reading this section, I would recommend you read this blog on no-follow and do-follow links first.)

Just like ActiveRain, when you comment on some blogs, you get a do-follow link to your website.

Every time you make a comment on ActiveRain while logged in, you get a do-follow link pointing back to your profile.

In order to find blogs that are do-follow around the web, you will have to do some research.

So far, I have a list of 25 do-follow blogs that I am currently commenting on. I don't do it just for the link, I also add as much to the conversation as I can.

If I don't have anything to say that is going to add value, I don't say anything at all. I found these blogs by searching Google and researching real estate forums. Unfortunately, I am not going to give you my list of do-follow blogs, I want you to find your own, because it will be more beneficial to you if you do.

What I am going to do is, give you a head start in the right direction. Finding do-follow blogs is actually pretty easy once you have the Firefox plugin as mentioned in the link above.

Start out by searching Google for do-follow blogs:

Google Search: Do Follow Blogs

Do-follow blog search engine.

The Art Of Commenting On Do Follow Blogs

I use these tools and they helped me get a start in the right direction. If you're serious about ranking high for your keywords, commenting on do follow blogs can help you attain your goals. Remember, just because a blog is no follow, doesn't mean you can't get value out of it. Leaving your link is going to get people to click on it, which will bring traffic your way, and increase your brand awareness.

What's It All Mean?

Commenting on blogs is one of the most fundamental aspects of social media. You are interacting, creating relationships, and adding value to the on-going conversations around the web. Building your awareness through blog commenting takes time and effort to be successful. But I can attest that if you do it with genuine care you soon will start to see an increase in your blogs activity. Good Luck!

If you have any stories about how you comment, leave me a comment about it. Or better yet, write a blog about it, and leave a link in the comments so you can add value to my conversation!

P.S. A good place to start commenting is my new Cache Valley Real Estate blog!

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

Excuse me BofA! You CAN NOT have it both ways!

Sat, 07 Nov 2009 22:45:32 -0600

Oh my.. Bank Of America, You say what ??? Jane has the story below.

Via Jane Penttinen (Sunstreet Mortgage, LLC - Sr. Loan Officer):

Excuse me BofA! You CAN NOT have it both ways!

I refinanced a loan this week for some past clients. I did their purchase loan in 2005. We did an 80-15-5 because they had another home that had not closed yet. The 15% second was a home equity line of credit. Their previous home sold and they paid off the 15% second in March of 2006. They never drew another dime on the equity line.

June 2008:
They received a letter from Countrywide telling them their 0 balance equity line was frozen. They were not allowed to take any draws on the line because the value had decreased. No problem for them. They weren't using the line anyway.

Like lots of other people, the equity in their home has evaporated but current rates are still better than what they had on their first so we put together a Freddie Relief refinance - a great deal for them. We are able to drop their payment $200+ per month and because they didn't have PMI on the original loan, there is no PMI on the refinance even though their LTV is now 95%.

October 2009:
Bank of America (aka Countrywide) rears its ugly head! There had never been a Deed of Release recorded for the "no longer usable" home equity line of credit. The title company received a notice from BofA that there would be a $350 Early Termination Fee in order to do the Deed of Release. Early Termination Fee? On a line of credit they were no longer allowed to use?

Really?? This Early Termination Fee showing on the HUD1 would prevent them from completing the Freddie Relief refinance.

My client took BofA the statement from March 1996 showing where they had paid it off. She took them the letter from June 2008 saying they no longer had a home equity line of credit. She took them the statement showing the $350 Early Termination Fee. She asked them how in the world they could expect an Early Termination Fee when they were the ones who terminated the line. BofA's response - "We didn't close the line. We just won't let you use it." My client spent over an hour discussing this with the Wizards of BofA. At one point they actually told her "if you do your refinance with us we may consider waiving the fee".

Really?? My client told the Wizards of BofA "either this fee gets waived and you allow the title company to record a Deed of Release or I will go to the Attorney General and see what they think! You CAN NOT have it both ways! I didn't terminate the equity line - you did."

Guess what? She got it! Refinance paperwork is all signed - we will record and fund on Monday.

BofA - what are you thinking? How many other people are you pulling this stunt on?

Jane Penttinen, Sr. Loan Officer

Sunstreet Mortgage, LLC

520-547-4150

If you, your friends or family require the services of a mortgage professional, please don't hesitate to call me. I am never too busy for any of your referrals.

BK090736

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

RainCamp is Coming To San Francisco

Wed, 04 Nov 2009 22:19:34 -0600

Brad announces RainCamp in San Francisco. Do you plan to attend ?

Via Brad Andersohn ~ Community Manager (ActiveRain):

RainCamp is Coming To San Francisco

The ActiveRain RainCamp Tour is Official! Our first ever RainCamp in Seattle was sold out in just two weeks. Now there's a demand by many of our members and non members to bring RainCamp to cities all across the Country. As you can imagine, this is a huge undertaking for our staff and team. There are so many details that go into setting up this event, but our members and guests are not only worth it, they deserve it.

The "Rainergy" and "Buzz" that comes from a RainCamp is like no other event I've ever experienced. You have to witness it for yourself to understand and grasp the full value and impact it will have on you, your Business, your relationships in your community, and the industry. Here's what a few of the folks from RainCamp Seattle had to say:

RainCamp is coming to San Francisco on December 2nd, 2009 for a full day packed with great content, presentations, and some of the most useful and applicable ideas and processes that you can implement immediately into your Social Media, Networking, and Blogging Business Strategy and Plan. The Location and Venue we've selected is once again a "Top Notch" off the hook spot.

How is RainCamp different from other Conferences?

Assess how you stack up in the modern market.

Listen to people that are practicing what they preach, and having outstanding success doing it.

Learn the methodology of a newer agent who has leveraged the Internet to become a 'Mega Producer'.

Walk away with executables you can put into action immediately.

Hard core real estate technology education. This is not a fluff event!!

What Do You Get?

An Action Packed Day: At a State-of-the-art conference and meeting room is just the beginning of our package at Mission Bay Conference Center at UCSF. They have Gorgeous meeting rooms with City and Bay views. Great layout with plenty of seating, wireless Internet Access, and much more. All the comforts and ammenities of a 5-Star Resort. "This is one of San Francisco's only full-service conference facilities."

San Francisco

Date: December 2nd, 2009

Time: 9:00am - 4:00pm
(registration 8:00am)

Location: Mission Bay Conference Center at UCSF
1675 Owens Street, Suite 251, San Francisco 94143
GOOGLE MAP | Yahoo Map | Mapquest Map | Microsoft Map

Facility: Wireless Internet Access and Power Available

RESERVE YOUR SPOT NOW!

There will be approximately 140 seats setup classroom style (with tables) reserved for attendees with laptops. It is all open seating so those seats are first come first serve the day of event. We are limited to only 500 seats max capacity, so register right away. There will be On-site paid parking available, street parking and/or complimentary shuttles from the BART and Caltrain stations. If you're wanting overnight accommodations, here's the Unique Venues Site.

RainCamp tickets are available NOW at a retail price of $159. However, we have reserved 50 tickets for our "early adopters" at a price of $99. This is a great value, so make sure you register today before they're gone, it will sell out.

"When is RainCamp Coming To Your Town?" We'd love to come to every Major City, and may do so eventually, but currently we are starting in San Francisco, then in no specific order, we'll be in Miami, Washington DC, Dallas, New York, Atlanta, Arizona and more. I'll be announcing those date and locations soon. We're still working out all the calendar and venue details.

This is our last West Coast event planned for a while, and we are really looking forward to coming to the "City By The Bay" and bringing the "Rain-Storm" with us. Just like in Seattle, we'll be hosting another exclusive "VIP" event/gathering after RainCamp, we'll have more details about that coming up later. It's going to be a day you'll never forget, I hope you can make it to join us. We put a ton of heart, soul, preparation, and passion into RainCamp, and we don't want anyone to miss out. So RSVP NOW! :-)

Check out the RainCamp.com Blog. Also follow the twitter stream using #raincamp.

Photo Source: UCSF Mission Bay

"RainMaker" Special - Signup Here and Get New Member Discount

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

Know Your Forms - New RESPA Closing Documents On The Way!!!

Tue, 03 Nov 2009 22:39:12 -0600

Are you ready for the changes at the closing table starting January 1, 2010 ? Gary tells us what to expect and also provides links to the forms.. See below

Via Gary Woltal - Associate Broker REALTOR® Dallas Ft. Worth (Keller Williams Realty):

Come January 1st, 2010, as a REALTOR or a consumer at the closing table things are about to change as far as the Good Faith Estimate (GFE) and Settlement Statement (HUD-1). Links below will allow you to print these out to familiarize yourself with them. Both now are three pages in length. The highlights:

Revised Good Faith Estimate (GFE)

GFE tolerances on settlement costs (1/8 point allowed to be in error)

Revised Settlement Statement (HUD-1)

Revised definitions for application, Good Faith Estimate, and Mortgage Broker

Additional definitions for changed circumstances, origination services, loan originator, prepayment penalty, third party, title service and tolerance

Elimination of 1% origination fee cap on FHA loans

RESPA (Real Estate Settlement Procedures Act) forms apply to federally insured or backed loans such as FHA/VA/Conventional and NOT cash deals. There is also a 30 day cure period to give lenders after closing the ability to meet the tolerance. The closing script is eliminated as it is contained in the revised HUD-1. Average charges can be used by service providers and is not limited to loan originators.

Bottom line is it looks like the new GFE and HUD-1 want the borrower to be as crystal clear on everything related to the loan. It looks like the fastest you could go from app to close is about three weeks. On page three of the new HUD-1 boxes compare GFE and HUD-1 costs. On page 3 of the GFE they clearly in the instructions state what charges CANNOT increase past the GFE, can increase up to 10%, and what charges can change. It is VERY clear. The only thing weird I saw on both the new HUD-1 and GFE is it never clearly says the PITI monthly payment but just principal, interest, and mortgage insurance in the loan terms.

It looks a lot different for most of us, but print yourself out a copy and take a look. January is NOT that far off.

Revised Good Faith Estimate (GFE)

Revised Settlement Statement (HUD-1)

With closings averaging 130 pieces of paperwork both the REALTOR and the consumer need to know about these documents ahead of time. One last tip for both groups in this area, be sure to show up at the table with a U.S. government issued ID with a picture and your signature. This is mandatory for identification purposes. Good luck and happy closings!!!

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

The ActiveRain Point System

Mon, 02 Nov 2009 21:50:40 -0600

Have you ever wondered about how people earm points on Active Rain ? WOuld you like to become a FEATURED MEMBER in your area ?

Brad has compiled a overview of the Active Rain points system. Be sure to check it out. See you in the rain !

Via Brad Andersohn ~ Community Manager (ActiveRain):

The ActiveRain Point System

ActiveRain awards members points based on participation and their individual involvement within the network and community. While there is a much more complicated and technical explanation of how the point system works, this post is to provide you a general overview of how points are earned and distributed that to ALL ActiveRain members.

ActiveRain points are earned based on a members individual activities and efforts. Points are accumulated over the duration of the Calendar week which "Starts Monday morning at 12:00am Central Time, and Ends Sunday night at 11:59pm Central Time."

The following are some ways you can earn points and move up the "Featured Member" ladder in your Local Area.

200 Points for each Blog Post
(Max 10 per Week) (50 Word Minimum Required)

25 Additional Points when Post is added to Channels with a Topic

400 Points for Featured Post on ActiveRain.com
(Excludes Posts Featured in ActiveRain Groups)

25 Points For Each Comment
(Max 10 Per Day) (Comments on Your Own Posts Excluded)

25 Points for Each Reblogged Post
(Max 10 Per Week - These do not Include Your Own Posts)

ActiveRain Profile Points
(Building Your AR Profile will Build points)

Received Comments on Blog Posts
(No Blog Post to exceed 450 pts.)

100 Points - Logging In To ActiveRain Each Day
(This applies 7 days a week)

250 Points When Someone Accepts Your AR Invitation
(Must Sign Up under Members Invite Code)

10% of Total Points Earned By New Members Invited By You
(IE: Invited Member Earns 1000 pts. - You Earn 100 Pts.)

ActiveRain and Member Approved Contests - Points Will Vary
(These show up as Bonus Points in your Point Summary)

Staff Awarded Bonus Points - These are issued by the AR staff
(Member Humanitarian, Paying It Forward, Helping Others etc.)

Weekly Point Scenario: The potential of points available per week, per member would be as follows: 1750 for max comments, 2000 for max Blog posts, 700 for logging in daily, 250 for adding to Channels/Topics, and 250 for max ReBlogged posts. The Weekly potential of points would be 4950 (this does not include featured posts, comments received, invitation and percentage points, contests, and staff awarded bonus points.)

Point Disclaimer: The Points System created by the ActiveRain Network was developed and implemented to motivate, inspire, and reward members for their participation and involvement within the community. These points are subject to change at the discretion of the ActiveRain Mgmt. Team, with or without cause, warning, or notice.

"RainMaker" Special - Signup Here and Get New Member Discount

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

9 Banks Failed in 1 day !!!!

Mon, 02 Nov 2009 21:45:31 -0600

What is the change of your bank closing it's doors ? Matt has listed 9 banks that failed on October 30, 2009. See the list below

Via National Credit Fixers - Matt Listro:

That's right you read the headline correctly. Nine Banks failed in one day. All 9 banks failed on Friday Oct. 30th making it the largest number of bank failures in one day in US history!

The banks that failed are:

North Houston Bank Houston TX

Madisonville State Bank Madisonville TX

Citizens National Bank Teague TX

Park National Bank Chicago IL

Pacific National Bank San Francisco CA

California National Bank Los Angeles CA

San Diego National Bank San Diego CA

Community Bank of Lemont Lemont IL

Bank USA, N.A. Phoenix AZ

That brings the total of bank failures for 2009 to a whopping 115. How does that total compare with previous years you ask? Well in 2008 there were 26, in 2007 there were only 3, and in 2005 & 2006 there were zero (statistics obtained from FDIC at http://www.fdic.gov/bank/individual/failed/banklist.html)

☺

Matt

Toll Free: 888-NCFIXER (623-4937)
Toll Free Fax: 888-FAX-4020 (329-4020)
Local: 860-282-6181
330 Roberts Street 4th Floor
East Hartford, CT 06108

credit repair company

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

5 Tips on Choosing The Right Days to Market Your Real Estate Services Online

Mon, 02 Nov 2009 21:11:23 -0600

Rebecca tells us the best time for online marketing..

Via Rebecca Levinson, Real Estate Marketing Consultant (Real Skillz-Clear Marketing for Your Real Estate Vision):

How to Choose the Right Days to Market your Real Estate Services Online

Effective real estate marketing online has a lot to do with timing. There has been a lot of research conducted, mainly for industries outside of real estate (i.e.retail, hospitality, automotive) on the best days and times to market services and products online. Implementing the right timing to deploy marketing campaigns into your online marketing strategy is an effective way to ramp up your results.

Here are 5 tips on choosing the right days to market your real estate services online

1. Tweet Midweek-

State-of-the-Twittersphere -

2. Publish Your Most Important Blog Posts Midweek

Frequency of great original content is still important in building your readership and traffic to your blog. I recommend to my clients that they blog a minimum of 3-5 times per week to be considered as a true content provider in the eyes of their readers.

That being said when is the best time for a blogger to publish their meatiest, most important blog posts? Darren Rowse of Problogger addresses the timing factor in When to Publish Blog Posts-Timing Considerations,

"If I have a very important post that I want to get as much attention as possible I generally will publish it on a Tuesday or Wednesday morning (my time)."

Rowse's post also gives some advice as to publishing posts on weekends and holidays that is worth the read as well as the comments on the post (82 so far).

Roger Parker of blogforprofit.com recommends that if you were to only blog twice per week to publish those blog posts on Tuesdays and Thursdays.

Clearly publishing your most important blog posts midweek is a winning strategy.

3. The Weakest Link for Email Marketing is Saturday

You may have several email campaigns in your real estate marketing campaign: email flyers, email follow-up, email newsletters. Email marketing is a heavy hitter for real estate professionals but when is the most effective time for you to deliver your messages to your prospects and customers?

According to EMarketer.com the best days of the week to send email marketing are Mondays and Tuesdays and the least effective time by nearly 50% is Saturdays.

The best advice I found and agree with is to survey your email subscribers and ask them when they would like to receive emails from you.

We are approaching the holiday season so it is important to consider the times that people are online and actively shopping. Study these deployment times statistics provided on the emailstatcenter.com website before launching any niche holiday real estate marketing campaigns.

4. Engage your Fans on Facebook on Tuesdays

In findings from Virtue SRM (Social Relationship Manager) the best days to post on your Facebook Business Page is Tuesdays, followed closely Wednesdays with Mondays coming in #3.

**Allow me one deviation~ What I find more or equally fascinating is the 6.49% CLR (Click Thru Rate) of marketing campaigns such as polls and incentives that are run on Facebook business pages. Fans are clearly interacting with their friends on Facebook in a big way and their interactions are also being seen by their friends.**

5. LinkedIn Users Are Active In the Morning

According to a small study by SenderOK Statistics report which was based on a sample of 440 anonymous users the most activity on LinkedIn occurs in the morning.

"LinkedIn use is predominantly an 8AM-Noon activity with very, very little activity in the evening. Of particular interest is that LinkedIn users tend to arrive at work earlier than Facebook users do....Those serious early morning LinkedIn users will spend an average of 29 minutes reading real Email before they get around to checking your connection request which they could have read first if they wanted to."

While this is a small sampling of members on LinkedIn and their behavior I can attest that this mimics my LinkedIn use. The first online activity I do in the morning is to check my email(which of course includes my blog activity) and the first social network site I check is LinkedIn and this occurs normally between the hours of 7:30-8:30 a.m.

Take into consideration the times and days that people are online and engaging in these online activities when you create and implement your online real estate marketing strategy.

Once you taken action use an analytics tool to measure the effectiveness of your marketing campaigns. Tweak the times you deliver your marketing messages based on your analytics and direct feedback from your recipients.

Get your game on and use the 5 tips on choosing the right days to market your real estate services online.

Subscribe to Blogging In the Rain, A Real Estate Marketing Blog

Join Me on Facebook. Tuesday I'll be posting a discussion about marketing to women.

***************************************************

Rebecca D. Levinson is a real estate marketing consultant with 17 years of experience serving real estate industry professionals.

If you need assistance with online marketing, offline marketing, social networking, or blogging contact Rebecca D. Levinson at #262-203-5231 or email rebecca@bloggingintherain.com.

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

Kenmore Washer and Dryer set For Sale

Sun, 01 Nov 2009 09:46:19 -0600

Kenmore Washer and Dryer set For Sale

Location: Clarksville, Tennessee

Great working set for only $300

Call: 931-320-9411

Kenwood Washer 80 Series

Heavy Duty
Super Capacity Plus
Quiet Pak
3 Speed Motor with 4 Speed Combinations
Ultra Rinse System
Push & Turn clockwise to set
Pull to start
Push to stop

Kenmore Dryer 70 Series

Heavy Duty
Super Capacity Plus
Quiet Pak
Push to start Dryer

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

Vince Young will be starting QB today against the Jags

Sun, 01 Nov 2009 01:41:57 -0600

Sunday Nov 1, 2009

Tennessee Titans owner Bud Adams has spoken and Vince Young will be starting QB today against the Jags as the Titans seek their first win of the season.

Vince Young has not started a game since the season opener last year against the Jags when he left the game with an injury then replaced as the starter by Veteran Kerry Collins. So far this year the Titans are still searching for that first win of the season. Can Vince Young use his legs and help the team rid the goose egg ?

Ironically the Tennessee Titans have not won a game since they lost to the Steelers last year. So many claim it's the curse of the towl. It has been reported that Keith Bulluck and LenDale White have autographed a terrible towl and sent it to the Allegheny Valley School with a note. "LenDale and Keith wish you all the best. P.S., please release the curse,"

See the story here

Now I will hear from my many Steeler fans I'm sure... But I will still be a true Tennessee Titans fan and and say GO TITANS ! Lets look for the Titans to get their first win of the season and finnish out the season with a decent record. Yes.. there is still time to at least break .500 or better.

Think Clarksville * Think Fort Campbell * Think Real Estate * Think Roland

Licensed in both Tennessee & Kentucky. Please don't keep me a secret, if you know anyone looking to BUY or SELL, Please send me an e-mail and give them my name and number.

View my website at Clarksville Home Information or Fort Campbell Housing

North Houston Bank	Houston	TX
Madisonville State Bank	Madisonville	TX
Citizens National Bank	Teague	TX
Park National Bank	Chicago	IL
Pacific National Bank	San Francisco	CA
California National Bank	Los Angeles	CA
San Diego National Bank	San Diego	CA
Community Bank of Lemont	Lemont	IL
Bank USA, N.A.	Phoenix	AZ

Roland's Blog

Be Cautious About Giving Info to Census Workers

What Is RainCamp™

Platinum RainCamp™ Sponsor: Market Leader

Lets Say Thanks

RainCamp™ is Coming to New York City January 12th, 2010

ActiveRain will be bringing our third RainCamp™ to the Big Apple on Tuesday, January 12th. We have teamed up with the folks at Inman to kick off Real Estate Connect New York City 2010.

"What's RainCamp™ All About?"

"What's the Big Deal?"

"Could Real Estate Connect Be As Cool?"

"Bob, Shut your mouth.....It can't get BETTER, can it?"

"This Must Cost One Million Dollars, Right?"

Vote for Thea Agnew in the 2009 Operation Rising Star

Please click this linke and VOTE for Thea Agnew

Please click this linke and VOTE for Thea Agnew

Meet the Judges and Celebrity Guests

You Think Your House is Worth WHAT?? Pricing Your Home to Sell

Party Lite Event in Clarksville, TN

Please RSVP to attend HERE

~OR~ Order online at: www.partylite.biz/carolinesdream ~ Host: Terri Woodworth

Is It Wrong to Work With More Then One Realtor?

Can a Lender Be Forced to Modify a Mortgage?

Short Sale Buyers Agents Know They Are in Trouble When.....

Short Sale Buyers Agents Know They Are in Trouble When.....

Short Sale Buyers Agents Know They Are in Trouble When.....

SATISFIED WITH "LETTING THINGS HAPPEN"? . . . BEING SATISFIED MEANS BEING LEFT BEHIND.

Are You Coming To NAR This Weekend?

ActiveRain Statistics - Comments, Views, and Clicks

Here Come The Blog Cops! December 1 FTC Changes

What You Oughta Know About Blog Commenting

Excuse me BofA! You CAN NOT have it both ways!

RainCamp is Coming To San Francisco

Know Your Forms - New RESPA Closing Documents On The Way!!!

The ActiveRain Point System

9 Banks Failed in 1 day !!!!

☺

5 Tips on Choosing The Right Days to Market Your Real Estate Services Online

How to Choose the Right Days to Market your Real Estate Services Online

Here are 5 tips on choosing the right days to market your real estate services online

1. Tweet Midweek-

2. Publish Your Most Important Blog Posts Midweek

3. The Weakest Link for Email Marketing is Saturday

4. Engage your Fans on Facebook on Tuesdays

5. LinkedIn Users Are Active In the Morning

Kenmore Washer and Dryer set For Sale

Vince Young will be starting QB today against the Jags

~OR~ Order online at:

www.partylite.biz/carolinesdream ~ Host: Terri Woodworth